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I filed for Chapter 7 in 2016 and dismissed in August of that same year. I am currently in Chapter 13 with 100 percent repayment. I have started nursing school and my work hours will be greatly reduced. Can I convert to a Chapter 7 or get my payments reduced?
answered on Feb 1, 2020
You must first determine if you received a Discharge Order in the prior Chapter 7 case. If you did not receive a Discharge Order in that case and it was dismissed without a Discharge Order, then you may be able to convert your Ch 13 to Chapter 7. You will need to sit down with your attorney and... View More 
answered on Jan 28, 2020
You can protect some or all of your tax refund, depending on your federal or state exemptions.
In 2014 I co-signed a student loan application for my stepson. His mother and I got divorced later that year. All during the plan this “Sallie Mae Bank Inc” loan showed as being in a “Closed” status on my 3 credit reports. Now that I have completed the plan and received a discharge the... View More
answered on Jan 20, 2020
You can contact the credit bureaus regarding this but the bottom line is you are still obligated on the note. Was it not dealt with in your divorce?
Commercial property in ALABAMA was sold in 2017 with owner financing with 30% down and 7 years of monthly payments at 6%. The contract was recorded in court house as a lien. The buyer (LLC) with personal guarantee paid on time for 2 years and now filed for bankruptcy (both LLC and personal).... View More
answered on Nov 24, 2019
You can take the property back and sell it to someone else. You have no recourse against the bankrupt buyer unless the bankruptcy isn’t discharged.
answered on Sep 30, 2019
You should search for legal aid in Alabama, and see what is available close to you. If you don't qualify, keep in mind that most attorneys will only charge you if successful in finding you disabled.
However, I just today received a periodic statement from the Chp 13 trustee and noticed in the "Balance Owed" column that I owe more than $6K more than my scheduled remaining 6 more monthly payments will cover. Looks to be that the Trustee payments were increased when a new trustee took... View More
answered on Sep 7, 2019
Check with your attorney but I suspect you will have to pay it.....to properly finish your plan.
I will be discharged from Bankruptcy in 10 months.
My Chapter 7 bankruptcy discharge is set for early next week and I have yet to receive the reaffirmation agreement for my auto loan from my finance company. What are my options to keep my car?
answered on Jul 2, 2019
Who knows? Either ask your lawyer for his/her opinion or just wait and see.
So how do I remedy this without an attorny
answered on Jun 10, 2019
The first thing to do id to tell us what "this" is.
I’m returning to college to get my BSN.
answered on May 17, 2019
You need to seek permission from the trustee and the court to incur new debt.
My ex-husband recently included me in his bankruptcy for my share in our divorce settlement. I was informed by the trustees office that my ex's $170,000 Secured debts would have top priority, then my Priority debts would be paid. I would like to avoid waiting 2/3 years to receive my settlement... View More
answered on Apr 11, 2019
Absolutely. It cannot hurt to file and Objection. Worst that happens is it is denied. Best case...you get paid. It is a domestic support obligation so he can’t bankrupt it.
answered on Mar 26, 2019
Go to pacer.gov, create an account and then you can look up your case and the details.
answered on Mar 23, 2019
She should have been listed as a co-signer/creditor in your bankruptcy. Unless you are obligated to pay the co-signed debt under your property settlement agreement in your divorce, she likely doesn’t have a claim against you.
answered on Feb 26, 2019
Yes. However, it it involves injuries resulting from s DUI, it will not be dischargeable.
My parents have a house and the joint tenant deed where if my dad dies it goes to my mom and if she dies it goes to me and my 2 brothers. I am going bankrupt and don't want them to lose their home because of me.
answered on Feb 12, 2019
It is a future contingent interest. You should be fine but consult a lawyer in preparing your petition.
We just moved to AL from WA State. Our truck, with all of our belongings broke down the day we had to leave. We were told that it could not be repaired by the dealership because the part needed was no longer in production. I could not find a used part anywhere. Eventually we had to leave everything... View More
answered on Feb 7, 2019
A bankruptcy filing may be the answer. Our office would provide a free consultation as well as a payment plan for legal fees and costs. The filing of the bankruptcy case puts a Stay ( stop) Order on all of your creditors. All calls, legal actions, wage garnishments, bank attachments etc must stop... View More
I was in 13 when it happened, but before the settlement was in I had converted to 7.
answered on Feb 1, 2019
You should discuss this privately with your bankruptcy attorney. If you don't have one, you might want to seek the counsel of one in your local area as soon as possible.
2.3 Question: Income tax refunds and returns. Answer: Debtor will retain any income tax refunds received during the plan term. However, question 5.2 Question: Percentage, Base, or Pot Plan. Answer: Base Plan. this plan proposes to pay the amount to the trustee (plus any tax refunds, lawsuit... View More
answered on Jan 21, 2019
Are you trying to file your Chapter 13 without an attorney? If so, although it will sound self-serving from the standpoint of a legal professional, I don't recommend that. There is virtually no chance a Ch 13 matter will succeed without legal assistance, and, based on your questions, I can... View More
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