Yes. She will have to pay for the car or they will repossess it. As long as she pays as agreed, no adverse effect on her.

Statute of limitations on what?

You can dm your 13 in NYS and refile in MD once you meet the residency requirement. Probably should enroll now and get deferment status in place before you file in MD.

Unless sealed by a judge, all documents in a bankruptcy case are available to the public. Call the BR court.

You have to list the house as an asset in which you have a 1/2 undivided interest in the bankruptcy petition. But if you’re filing a 13, it’s a repayment plan so none of your assets should be in jeopardy.

It doesn’t disappear ever. When a Chapter 7 is filed, the automatic stay is created. If the 7 goes to fruition, debts are discharged in about 90 days. If it is a Chapter 13 repayment plan, it can be up to five years.

Yes, if you haven’t been charged criminally.

No. The life insurance passes outside the estate directly to your son as beneficiary. It is safe.

The beginning of the measuring period is the date you knew, or should have known, of the wrong. It is generally 36 months for contracts and civil lawsuits. There are exceptions: in some cases measuring years are shorter (one year for assault and battery) and longer (12 years) for contracts under... View More

Legal aid will help you prepare the documents, but probably will not be able to adequately advise you the same way an attorney would and does not actually represent you. You might end up being ok filing yourself, but so many things can go wrong that you wouldn't know about in advance. I highly... View More

The creditors harassment will stop immediately upon filing the petition, regardless of who filed it for you.

The return date is simply the date by which the summons must be returned as served on you by the plaintiff, or it expires and they must have a new summons issued. If that happens, the trial date may also change. If this is a suit for debt, and you owe a lot more, then yes you should consider... View More

Car goes on schedule A/B and Exemption goes on Schedule C.

Schedule C

The Chapter 13 Trustee could escrow the funds with the Court, and allow your Discharge. I would look into that option

If you charged them to your account, the answer is no. Usually, they will just keep the car until the repairs are paid, so if you have the car, it’s just an unsecured debt.

No, not unless the property is in your name.

You have certain exemptions under state law which can protect your property. They CANNOT garnish your social security.

Apply for a Florida license as soon as you get there. Issue date is proof. Same with utilities. Establish as soon as you get there. You have to certify on your petition under penalty of perjury that it’s true. If and when they get a judgment, they can garnish your wages and attach your real... View More

They can sue you, but they cannot sue or get a judgment against anyone other than you if the debt is just yours. They cannot use a judgment against you to attach assets belonging to someone else. Most creditors do not file suit that fast after stopping payment. The debts get transferred to debt... View More