Get free answers to your Bankruptcy legal questions from lawyers in your area.
I have $133,000 in debt and my credit score is already down to 472.
answered on Aug 26, 2024
You are eligible for a bankruptcy discharge of debt every eight years.
Use it wisely.
Without a full disclosure of your financial situation, and your prospects for future income, it is not possible to offer a recommendation of bankruptcy, or not.
A key element for you is... View More 
So we bought our home in Vegas in 2017(deed on me n fiance name). We stayed there until we move for a year to San Diego from july2021-july2022(rented out our home). Then moved back home to Vegas for a year after that. Then After a year at home we came back to San Diego from July 2023 (house is... View More
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answered on Aug 20, 2024
To claim the Nevada car and homestead exemptions, it's important to establish your residency in Nevada. Since you plan to move back to your home in Las Vegas in October and stay there permanently, you'll likely need to re-establish your Nevada residency.
The general rule for... View More
Once the debt is sold are they allowed to still post late payments on my credit every month and rack up interest while still calling me all the time trying to collect the debt.
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answered on Jul 2, 2024
Based on the information provided, I can offer some general insights on this situation, but please note that this is not legal advice. For specific guidance on your case, you should consult with a bankruptcy attorney or a consumer protection lawyer in Nevada.
Generally speaking, when a... View More
I am 1 month behind trustee payment. 2 months behind post petition on my mortgage paynent and I accumulated additional debts. Should I dismiss my chapter 13 and refile? How long before I can file again?
answered on Mar 5, 2024
I'm most familiar with bankruptcy as applied in PA, but my experience in various states, including OK, TX and GA, as well as DE and NJ, is that Ch. 13 trustees differ by region, and even among themselves, as do Judges.
Based on that experience, with both Trustees and the Courts keeping... View More
My Amazon account was closed recently, resulting in an outstanding balance owed to Payability (which a service that offers prepayment option for Amazon sellers on the shipped orders) due to premature payment. They proposed a payment plan of $1,000 a week to settle the remaining $19,320.89.... View More
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answered on Jan 12, 2024
If you are unable to comply with the proposed payment plan and your account proceeds into collections or personal guaranty enforcement, there are several potential consequences. The creditor, in this case, Payability, may initiate collection efforts. This can include contacting you for payment,... View More
Some assets have already been liquidated and I am only receiving social security disability and nothing else but there is assets in the state anywhere from 1 to 2 million dollars depending on who you ask. Do I qualify for a conversion? Original petition was filed about 8 months ago. Is there a time... View More
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answered on Sep 8, 2023
Under the federal Bankruptcy Code, you generally do have the right to convert your case from a Chapter 7 to a Chapter 13 bankruptcy, as long as you meet the requirements for Chapter 13, which includes having a regular source of income and not exceeding debt limits. Given that significant assets are... View More
No relief from the automatic stay was previously ordered.
The UCC was filed on 03/30/22, I filed bankruptcy on 05/10/22, because it was filed within 90 days prior to my bankruptcy filing does it become invalid? Thank you.
answered on Oct 17, 2022
No.
The filing of a UCC-1 by a creditor more than ninety days prior to a bankruptcy filing (so not a preference) creates a perfected lien against identified collateral/property.
Liens are not dischargeable in a Chapter 7 case; nor can they be stripped down (the Dewsnup case).... View More
So I obliged to her request. However, it's not a mission, she moved in with her bf. I was paying for food and rent, knowing shes doing good in church. Moved forward, I was still supported up until September 1, 2022, cuz I found out that shes been cheating on me all this time. Also, I found out... View More
answered on Sep 28, 2022
You can probably sue her in small claims but I doubt many lawyers will be interested due to the amount in controversy. Most likely more trouble than it’s worth.
We live in Nevada
answered on Mar 22, 2022
Good Afternoon,
As long as you are current on your home when you file Bankruptcy and remain current then the Bank will not be able to take your house because of a Bankruptcy. Bankruptcy also does not "save" your home from a Bank foreclosure unless you are repaying with a Chapter... View More
I had a voluntary dismissal of my chapter 13 case about 4 weeks ago. I received notice that the case was closed however I have not received trustee's final report and account. What is it?
How long does it take to get?
answered on Oct 21, 2021
The Trustee is required to make the report. It is merely an Accounting of what monies you paid in, what amounts the Trustee paid out, the Trustees fees and the balance if any remaining and where it went. The Trustee is showing you and the Court where the money went. You don't need to fo... View More
Files last year due to covid and most of income from partner. Got job offer and they’re doing background check. Only negative thing would be the bankruptcy. Can they take back offer due to that?
answered on Jul 10, 2021
They can take back their offer for any reason or no reason at all, at any time.
I was never notified and NEVER missed a payment. Furthermore they applied my payments to the wrong account equaling 7000. Do I have any recourse?
answered on Apr 12, 2021
You can file claims with the three credit bureaus to correct the record. If they do, problem solved. If not, file suit against the company to correct the error.
I live in my mother's house to take care of her, so I let my niece live in my house.
answered on Mar 25, 2021
These questions need to be answered by your bankruptcy attorney after he has reviewed your finances.
My mother died while in the bankruptcy process with a lawyer, but when I asked another lawyer to search bankruptcy databases, he found nothing. So is my late mother's estate entitled to a refund from her lawyer?
answered on Nov 11, 2020
Probably not. Most of the lawyer's work in a consumer bankruptcy, Ch. 7 or 13, must be done before the bankruptcy case is filed. Certainly, the Estate representative can request an accounting/refund from the bankruptcy lawyer, but you can expect that he/she will prepare a bill, showing time... View More
My ex-wife co-signed a personal loan and vehicle loan while we were still married. Our divorce recently finalized and in the divorce decree it states that I will take responsibility for both loans. I am past due on both loans due to loss of income. I had to switch jobs due to medical issues.... View More
answered on Nov 7, 2020
This needs the attention a good, local bankruptcy lawyer.
On general principals a Chapter 7 can discharge your obligations, but that does not discharge the debt on her part--she still owes it. Depending on the terms of your divorce decree it is possible that the divorce court could still... View More
Just received my w2 and since my income took a dive and I had a new child, I'm getting more than I thought I would.
answered on Jan 19, 2020
You can protect more of your refund up to the remaining g unused exemption amount in your state or under the federal exemptions.
Am I considered judgement proof?
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