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We would like to continue to make payments on it and keep it because we need it for our property. The home & 1 acre is in my name because I lived here before my husband and I married. We use the tractor for property maintenance and feeding our cows. (We have 2 that are being raised for our meat... View More 
answered on Jan 17, 2023
Great question, and one that I frequently field from potential filers. The John Deere Finance loan will have to be identified in the bankruptcy schedules. This ABSOLUTELY does NOT mean that you have to give up the tractor. There are multiple paths available to keep the tractor. One path,... View More
answered on Nov 1, 2019
Yes, he can file for bankruptcy. However, if he agreed in his divorce to assume responsibility (sometimes referred as "indemnify and hold harmless) for the debt it becomes more complex. If so, his attorney needs to think through the fact that a Chapter 13 discharge eliminates marital... View More
answered on May 21, 2019
In all likelihood, yes. The only problem would be if the two vehicles have a lot of value (equity in the vehicle with the loan). You will just need to continue making the loan payments to keep the second vehicle.
answered on Mar 30, 2019
If the holder is part of a civil proceeding (like an insurance company secured a judgment against you for damage caused while driving without insurance), a bankruptcy filing will likely restore your driving privileges. You are welcome to email me if you have more specific questions.
answered on Mar 15, 2019
Bankruptcy is not going to help with a suspension stemming from a criminal charge. However, it's possible your license is (or was) suspended in both a criminal and civil case arising from the same circumstance. For example, if you were involved in an accident and did not have insurance, your... View More
The loan was joint with my ex boyfriend and he has had the car for 3 years. Car value is abt $3000. I have no money and no house but I have a 2006 Jeep with an upside down loan on it. I’m a server.
answered on Mar 4, 2019
$13,000.00 is too much debt to have over your head going forward. I'm not sure where you are located, but the statute of limitations in Kentucky for written contracts is 10 years (was formerly 15). This means that the creditor would have ten years under current KY law to initiate a collection... View More
i dont want him to know and i dont want to include our place
answered on Feb 7, 2019
This question defies a short linear answer. It's important to first know how much equity you have in the real property. If the property serves as your primary residence and you and your husband are both on the deed, the first $50,000.00 (roughly) in equity in the property would not be impacted... View More
I am on workers compensation I'm just wondering am I able to get reimbursement for any hours lost for having to leave work to go to my doctor's appointments and physical therapy or is that just a loss
answered on Jan 24, 2019
Under the Kentucky Workers' Compensation Act, you are entitled to recover wages lost due to treatment for your work-related injuries. Depending on circumstances, you may also be entitled to reimbursement for mileage to and from treatment and/or evaluations. If you have further questions, feel... View More
answered on Dec 14, 2018
The bankruptcy code does not have any provisions that would allow you to modify terms of any assignment provisions within the underlying lease agreement. Therefore, you will need to review the lease agreement to determine what assignment rights, if any, you may have under its terms.
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