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My home is paid for and worth about $65,000. I need to file chapter 7 bankruptcy on about $60,000 worth of credit card, doctor bill and vehicle debt. My only income is $1,388/month child support. Will I lose my home? I can't afford to move out and rent.
answered on Feb 23, 2020
Currently Virginia bankruptcy exemption. However it is my understanding that this is changing. You should consult with a bankruptcy lawyer and see what this new law will mean if it become law. You would probably still loose your house, but you could exempt more of the equity from your house.... View More 
answered on Nov 26, 2019
You can check the bankruptcy court's website for information on the forms.
Here is the website for western district. http://www.wawb.uscourts.gov/csReadyToFile
They also have information on representing yourself. At the very least get a consultation with a bankruptcy... View More
If so, do I just place it on top when filing?
answered on Nov 16, 2019
You probably just want to send the cover letter with the document production you send the Trustee after the case is filed.
If so, do I just put it on top of the paperwork or does it need to go in a specific place?
answered on Nov 16, 2019
When the case is filed a trustee is assigned. There are documents you need to provide the trustee. If you have something you want to explain that doesn't fit in the comments sections of the petition, you can send it as a cover letter with the documents.
answered on Apr 16, 2019
For debts it runs from the breach of the contract. Usually this is the date of the last payment.
For more information on this statute see the Maryland People's Law Library article: https://www.peoples-law.org/statute-limitations
What are the requirements for filing Chapter 13?
answered on May 19, 2018
Chapter 13 is a payment plan where you pay back some or all of your debt over a 3 to 5 year period. While the filing fee for a 13 is less than the filing fee for a Chapter 7 that does not make it the cheaper option. The attorney's fees are usually more than for a Chapter 7. Along with that... View More
answered on May 6, 2018
I agree with Mr. Denison. But if you were represented by a lawyer they should be able to provide a copy. You could also check with the clerks office to see if you can print copies from a computer station at the Court House.
I would rather file for chapter 7 bankruptcy. Then chapter 13.
answered on May 6, 2018
At least get a consultation with a bankruptcy lawyer. If you still find you can afford to pay a lawyer they may be able to point you in the direction of some local resources so you don't have to try to represent yourself. At least do a search to see if there is a local Pro Se Assistance... View More
My mortgage company won't report my payments to the credit bureau without one even though I never have missed a payment. My lawyer said a judge probably wouldn't reopen the case because it's been so long. Anything I can do without paying money?
answered on May 3, 2018
One option would be to see if you should refinance your house. Only do this if it makes sense financially. Don't do it just to get a mortgage company to report payment to a credit bureau.
They replied with no. Is that legal,such short notice? What if any are my options?
answered on May 3, 2018
To answer your question I would need some more details on the letter and what legal proceeding have taken place. Your reference to a the bankruptcy makes me suspect the property may be one that you owned and now has gone to foreclosure. You may want to do a search and see if an eviction has been... View More
The account was opened for me when I got my first job at fourteen and he never took his name off of the account. All of the money in there is mine but he says his lawyer told him it would look like he is hiding assets if I take the money out.
answered on Apr 27, 2018
Your father will have to list this account as an asset in his case. The question is how can he protect this asset with exemptions he has to protect assets. If he is filing a Chapter 7 bankruptcy the Trustee can take the nonexempt assets to distribute among the creditors. If he transfers an the... View More
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