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I cosigned with my ex-wife on a vehicle she kept in the divorce. She never refinanced. She filed for bankruptcy last month. I can't afford to take on the loan. What do I do?
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answered on Oct 14, 2024
You should reach out to your lender as soon as possible to explain the situation. They can provide information on how your ex’s bankruptcy might affect the loan and discuss possible options for managing the payments. It’s important to understand your responsibilities as a cosigner and how the... View More 
The house is not in the bankruptcy. The one is not in bankruptcy pays for the house . The one is in bankruptcy is only on the title . But pays her monthly payments can they stop the sell of property ? Or take the proceeds ?
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answered on Mar 16, 2024
In bankruptcy cases where only one spouse has filed for bankruptcy, the impact on jointly owned assets, such as a home, can vary depending on several factors, including state law and the specifics of the bankruptcy filing. If the house is not included in the bankruptcy estate because it is... View More
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answered on Mar 8, 2024
I apologize for the confusion, but your message seems to have been cut off mid-sentence. Could you please provide me with some more context and complete your question? That way, I can better understand your situation and provide a more accurate and helpful response.
When a vehicle is... View More
Equifax is being especially aggressive. Despite my disputes to the agencies, uploading of documents, and complaints to the CFPB, they continue to report all discharged debt as delinquent. It's gotten weird (such as Equifax reclassifying my Chap. 7 to a Chap 12.) No Idaho lawyer wants my case... View More
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answered on Nov 13, 2023
If Equifax and other credit bureaus are incorrectly reporting pre-bankruptcy delinquencies on your credit report despite a Chapter 7 discharge, you might need to consider escalating the matter. Since local attorneys are not taking up your case and the costs are prohibitive, exploring the option of... View More
I'm worried my past transaction on cash app will show I sent money to my drug dealer when I was going through my addiction. If so will I get in legal trouble trying to file bankruptcy. I really need debt relief now that I. Sober supporting my family, I'll lose my house if my wages get garnished.
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answered on Nov 5, 2023
Filing for bankruptcy is about addressing your debts and getting a fresh start, and you can file even if past spending contributed to your debt, including spending on illegal substances.
However, be aware that bankruptcy proceedings require full disclosure of your financial transactions,... View More
We have titles on vehicles that belong to our boys. Because of the loss of my job and only my husband's disability as income, we may have to file chapter 7 due to his medical bills we can no longer pay on and evidently we owe federal and Idaho taxes. The titles on the vehicles need to be... View More
answered on Dec 16, 2020
You must list all your property in your petition. Any such transfers of vehicles would likely be fraudulent. Consult a competent bankruptcy attorney to review these issues before you do anything.
My lawyer sent everything in and was waiting for a date for the meeting of creditors which I got and last week I got a letter that says a notice of hearing on trustees motion to dismiss.. on my online account where I signed up to do the payments it says I have my meeting on Wednesday but this... View More
Bankruptcy chapter 7 if my lawyer never responded to the trustee seeing me for my taxes and is now taking away an assets is there a way to stop them? What are my legal right in this case? Can I try to negotiate two cars for the asset I’m loosing (trailer). Or what is the proses of rebuying the... View More
answered on Aug 6, 2020
It is permitted under the US Code in certain circumstances as a sanction or punishment for actions such as fraud or noncompliance.
answered on Jul 20, 2020
Whether the property has a loan or not is not the question. The Bankruptcy Court will NOT determine if a tax debt for property is "dischargeable" or not. Your bankruptcy attorney will do that and advise you. Section 502(c) says:
(C) the amount or legality of any amount arising... View More
answered on Jun 30, 2020
I think it totally depends on the amount, the age of the case, and the trustee. Talk to you lawyer about this.
I just want to know if I do have to pay the amount it’s worth if I have a time limit to pay or it I’ll have a payment plan? I need to surrender my taxes and come up with 6k and I don’t have the money for that so I need to know if I need to change to chapter 13 or cancel my bankruptcy
answered on Apr 1, 2020
These questions are very case specific and should be answered by your bankruptcy attorney. If you are not the owner and it belongs to someone else. You should not have to pay. You should however, amend your schedules to add it, claim an exemption for it, and be prepared to didcusd it with the... View More
I had my 341 meeting in April, last week the front end went out in my Jeep so I financed a cheap car now I am hearing contradictory information stating that it was ok that I did that and others saying I needed to ask permission first, which is true?
answered on Oct 15, 2018
All debt collection STOPS as soon as you file ANY chapter in bankruptcy. If you’re behind on a car payment and you file bcy the collection against you will stop immediately. Same with a house if you’re behind on your mortgage. However the collection on these two kinds of debts will start again... View More
To pay necessary debts included in the 13 and move
answered on Sep 16, 2018
Make a motion to voluntarily dismiss the bankruptcy and then you will be free to do so.
BK was discharged late 2017. We have a property in Mtn Home that the title company made a clerical error on recording the deed and so the trustee was going after that house before the BK discharge. We went to the trustee hearing and he mentioned nothing regarding the home we are living in. Almost a... View More
answered on Aug 31, 2018
You need to hire a competent bankruptcy attorney to defend this action. If there was no fraud on your part or on the petition, you can likely prevail.
and we must finish paying on our lease for another 6 months. Can we file for bankruptcy and would it be helpful
answered on Dec 23, 2017
I would speak with an attorney as soon as possible because the solution will be very specific to your situation. In general, the landlord may be able to utilize company assets to collect on unpaid rent. Bankruptcy may be an option, but depending on which chapter you file, if the value of the assets... View More
answered on Apr 24, 2017
Yes. It is public record that you have filed. Anyone with a pacer account or who wants to go to the courthouse can view not only the fact that you filed but your schedules as well. Bankruptcy filings are not typically reported in your local paper (you can check and see) unless you are famous or... View More
Bankruptcy
answered on Sep 14, 2015
Before you file for bankruptcy, you must complete credit counseling. The purpose of this requirement is to help you determine whether or not there are other viable options for you. You can find a list of approved agencies here:... View More
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