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Kansas Bankruptcy Questions & Answers
1 Answer | Asked in Bankruptcy and Real Estate Law for Kansas on
Q: Do I have a case for Real Estate Agent fraud?

I hired an RE agent to sell the property, but no offers came before the FC date. I filed Chapter 13 BK to delay FC, planning to dismiss the case once an offer was accepted and sell the home to retain equity.

A week after filing, I received a low offer. To encourage the sale, my RE agent... View More

James L. Arrasmith
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answered on Nov 19, 2024

This situation suggests potential fraud, as your real estate agent appears to have misled you about returning the excess commission after bankruptcy dismissal. Their actions raise red flags - first offering a reduced commission, then suggesting an inflated one with promises of refunding the... View More

2 Answers | Asked in Bankruptcy for Kansas on
Q: I have a stop payment with one of my creditors. Will the one stop payment cause a issue when filing?

I issued the stop payment because it was for a subscription I had with the creditor to use they're cash advance services. They refused to stop charging me the subscription fee till they received all the money owed to them. I am unable to pay them at the moment so I felt like my only option was... View More

Timothy Denison
Timothy Denison
answered on Nov 12, 2024

No. It should not cause an issue.

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2 Answers | Asked in Bankruptcy for Kansas on
Q: I have a question about Chapter 7, Schedule C, question 3. "Are you claiming a Homestead Exemption of more than...."

I have a question about Chapter 7, Schedule C, question 3... "Are you claiming a Homestead Exemption of more than $189,050?" Kansas (where I am) has an Unlimited Value Homestead Exemption (just an acreage, up to 160 acres outside city limits, limit.)

I'm filing pro se, and... View More

Timothy Denison
Timothy Denison
answered on Oct 27, 2024

You are claiming under $189,500 so your answer is no.

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1 Answer | Asked in Bankruptcy for Kansas on
Q: If i filed a chapter 7 in 2002 and a chapter 13 in 2019 both have been discharged , when can I file another chapter 7
James L. Arrasmith
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answered on Aug 31, 2024

You can file for Chapter 7 bankruptcy again, but there are specific timing rules that apply. Since you received a discharge from a Chapter 7 in 2002, the law requires you to wait 8 years from the date you filed that case before you can file another Chapter 7. However, because you also filed a... View More

1 Answer | Asked in Small Claims and Bankruptcy for Kansas on
Q: If I went to rehab and credit card companys refused to work with me when i got out npw year later being sued what to do?

I live in missouri also lost job after graduating rehab program and have literally moved 2 times in the past year. And also been doing the same job but contracted out and owners have switched 3 times since starting already 3 months behind on rent and barely making 550$ car payment

James L. Arrasmith
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answered on Jul 27, 2024

It sounds like you are facing a lot of challenges right now, and dealing with a lawsuit from credit card companies can be overwhelming. The first thing you should do is respond to the lawsuit, even if you don't have the money to pay. Ignoring it can lead to a default judgment against you,... View More

3 Answers | Asked in Bankruptcy for Kansas on
Q: I didn’t show all income while receiving food stamps. How do I report this while filing bankruptcy?
W. J. Winterstein Jr.
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W. J. Winterstein Jr.
answered on May 1, 2024

Honestly, is how you report all bankruptcy submissions.

What you file in Bankruptcy Court is subject to the penalty for perjury, a major felony penalty.

It is never a good idea to morph a mere debt problem into a potential criminal exposure.

Especially given the possible...
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1 Answer | Asked in Bankruptcy and Business Law for Kansas on
Q: Is it okay for me to treat as a Sole/IC after I closed my business and filing bankruptcy from business?

I closed my chiropractic business (LLC filing as S-Corp) and I was the owner and chiropractor (w-2 employee) due to financial issues, I still owed 8 months in a lease and many other bills causing me to seek out filing bankruptcy, which I have an attorney but is out this week and some things just... View More

James L. Arrasmith
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answered on Apr 11, 2024

Based on the information you provided, it seems like you are in a difficult financial situation and are trying to find a way to continue practicing as a chiropractor to support yourself. However, there are several legal and ethical considerations to keep in mind:

1. Bankruptcy proceedings:...
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1 Answer | Asked in Bankruptcy for Kansas on
Q: When filing for a chapter 7 bankruptcy do I need to include all vehicles that are in my name even if its not my vehicle?

When filing chapter 7 bankruptcy in Missouri must I include all vehicles that are in my name, regardless if they are mine or not? I am asking because I bought a few auction vehicles for relatives, they paid for them. I am worried that if I do they could be taken away from them during the... View More

Timothy Denison
Timothy Denison
answered on Sep 28, 2023

Yes. You must list all property owned by you or in your name.

1 Answer | Asked in Bankruptcy, Divorce and Family Law for Kansas on
Q: My husband moved to Florida we are not legally separated so could I file for divorce and bankruptcy at the same time?

If I file for bankruptcy and he gets very upset and filed for divorce how would that affect my bankruptcy? Can he try to get me to pay the debt in the divorce?

Sonya Jackson
Sonya Jackson
answered on Jul 14, 2023

You can file your bankruptcy case and your divorce case on the same day. However, from a practical perspective, it may make more sense to get your bankruptcy behind you before filing for divorce. This is because, by having the debt discharged before the divorce, you reduce the number of issues that... View More

1 Answer | Asked in Insurance Bad Faith and Bankruptcy for Kansas on
Q: My insurance company filed bankruptcy and left me with a $22,000 bill. The Receivership denied my claim

Because the hospital failed to provide information in a timely manner. What should I do?

Tim Akpinar
Tim Akpinar
answered on May 16, 2023

A Kansas attorney could advise best, but your question remains open for four weeks. You may need to consult with a local attorney on this, but you could first reach out to the Kansas Department of Insurance to see if they could offer guidance. Departments of insurance nationwide monitor and oversee... View More

2 Answers | Asked in Bankruptcy for Kansas on
Q: I am a 73 year old woman with over $30,000 in credit card debt. If I file chapter 7 do I have to file on every card?

I get social security and a small monthly pension. I live with my daughter, so no personal property other than my clothes and my car. I can pay payments and pay to keep my Menards card and my 2 Bank of America cards. Most of this debt happened when I had to have extensive dental and medical... View More

W. J. Winterstein Jr.
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W. J. Winterstein Jr.
answered on Mar 12, 2023

If you file a voluntary bankruptcy petition, you will be signing Schedules of ALL your assets and debts, under penalty of perjury. So yes, you must "file" on every debt you have at the date you file for bankruptcy relief.

That said, you have the option to reaffirm any otherwise...
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1 Answer | Asked in Bankruptcy and Immigration Law for Kansas on
Q: If I already applied for my father's green card and they approved me for affidavit support,can I file bankruptcy now?

My father is still waiting for his interview to get the visa. I don't know when the immigration visa center give the interview date that is final step ? So maybe after filing the bankruptcy, they reject my father's case? Please let me know what should I do? It is very hard situation and... View More

Timothy Denison
Timothy Denison
answered on Jan 16, 2023

I would wait until he has his green card and is completely through the process before filing bankruptcy.

1 Answer | Asked in Bankruptcy and Foreclosure for Kansas on
Q: If my husband filed bankruptcy and it was dismissed without prejudice and we file jointly now, will the automatic stay

Only apply to me? Will I get the full stay? Or if it doesn't can I file alone and get it?

David Luther Woodward
David Luther Woodward
answered on Jan 8, 2023

Your bankruptcy lawyer can answer that more accurately than someone on a Q&A site like this. The re-filer needs to ask to have the stay reimposed, but the new filer doesn't. How the court handles it will to a large extent depend on the district you are in and who is your judge.

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2 Answers | Asked in Bankruptcy and Foreclosure for Kansas on
Q: Can I file bankruptcy to stop a foreclosure if I am the spouse. The judgement from the bank is in both our names.

The mortgage is only in my husband s name

W. J. Winterstein Jr.
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W. J. Winterstein Jr.
answered on Jan 6, 2023

If you are named on the deed, you have a legal interest in the home that the bankruptcy stay will protect.

Even if you are not named on the deed, the fact that you live in the house (assuming you do), then you have at least a possessory interest in the home that is also protected by the...
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2 Answers | Asked in Bankruptcy and Consumer Law for Kansas on
Q: We contacted lender to voluntarily repo our truck. We then parked it where it could be towed and dropped the insurance

The next day the truck was gone and we thought the lender took it. Several days later the lender said they did not have the truck and it must be stolen and to report it to the police which we did. The truck has not been located. Now the lender is contacting us. What are our options?

Peter Christopher Lomtevas
Peter Christopher Lomtevas pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Dec 15, 2022

Without seeing the loan agreement that discusses remedies in the event of theft, perhaps the asker owes the full cost of the vehicle minus payments made.

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1 Answer | Asked in Bankruptcy for Kansas on
Q: Situation: chapter 13 debtor passes away before closing of case. Executor of estate, debtor's daughter, assumes

Responsibility. Debtor's sibling pays remainder of case with agreement all property released from case goes to him. Estate executor lies and withholds some property. What can sibling do to receive said property? Is this fraud in any form?

Timothy Denison
Timothy Denison
answered on Dec 8, 2022

It is fraud in every form and the debtors sibling should file suit against the estate and the executor personally.

2 Answers | Asked in Bankruptcy for Kansas on
Q: I bought a car one year ago & never registered it..thinking about applying a chapter 7…I am going to surrender the car

Is it best to surrender the car or do a reaffirm agreement?

David Adams
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David Adams
answered on Oct 8, 2022

You would have the option to 1) surrender and owe nothing further, 2) keep making the monthly payments but not reaffirm, or 3) to keep making the monthly payments and reaffirm. You would likely only want to reaffirm under limited circumstances - mainly only if the vehicle was worth a good bit more... View More

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1 Answer | Asked in Bankruptcy, Consumer Law, Contracts and Education Law for Kansas on
Q: Can I sue my University? I have a degree from this university, they are blocking my from applying for their jobs.

I earned a degree from my local university. I have not been able to get a job in my field and now after applying for 100+ jobs on their website over the last 15 years, their application portal will mysteriously not let me apply for anymore and nobody can figure out why. Can I sue them for... View More

Timothy Denison
Timothy Denison
answered on Jul 1, 2022

You’re going to need some in depth research and data to prove that the degree is worthless or that the university is blocking your efforts to find a job. May be a tough row to hoe.

1 Answer | Asked in Bankruptcy for Kansas on
Q: I'm in a chapter 13 BK. I want to sell my home to pay it off. Can a Trustee stop this, if so why?

I have been made an offer on my home, enough to pay off the mortgage and other BK expenses.

W. J. Winterstein Jr.
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W. J. Winterstein Jr.
answered on May 31, 2022

To sell your primary asset, you will need to amend your Plan. Post-confirmation modifications are permitted, but proposed modified plans are subject to objections to discharge. The Trustee may object, but that would depend upon the details of your modified plan. If the Trustee, or any creditor,... View More

2 Answers | Asked in Bankruptcy for Kansas on
Q: I have a debt with First Midwest Bank. I now live on SSi only. It is a hardship for me to make this payment. What happen

What happens if I stop paying them. Will they take my SSI

David Adams
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David Adams
answered on Feb 2, 2022

No creditor is allowed to intercept or take your SSI income - so long as the money is not mingled with other monies in a bank account. If you earn some part-time wages and add those into an account that also has your SSI, then your SSI may in danger of being garnished at the bank (frozen and... View More

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