Get free answers to your Bankruptcy legal questions from lawyers in your area.
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?
I purchased my home 2 years ago. I filed chapter 7 5 years ago. One of the judgements I filed on has put a lien on my home I purchased years after my bankruptcy and now it’s holding up the sale of my house. How do I get rid of it?
answered on Nov 23, 2019
Provide the judgment creditor proof that the debt was discharged in bankruptcy.
Daughter has him living in my house. Against my desire. But is now fed up
answered on Aug 17, 2019
Tell him his share of the monthly payment and pay up or have him removed from the house.
answered on Jun 21, 2019
While you can file a Chapter 13 immediately after a Chapter 7, you're not eligible for a discharge of debts unless 4 years have passed between the filing of the 7 and the filing of the 13. A 13 filed within 4 years of a 7 would simply provide for the repayment of debts without a discharge of... View More 
I filed a chapter 7 on 5/03 and received a standard discharge on 10/03. Then I filed a chapter 13 on 2/04 and it was dismissed on 7/04. filed another 13, 8/04 and it was dismissed 2/05. I didn't really file the two chapter 13 but it shows I did but I know who did. My question is this possible?... View More
answered on Jun 21, 2019
While you can file a Chapter 13 immediately after a Chapter 7, you're not eligible for a discharge of debts unless 4 years have passed between filings. Because the two Chapter 13 cases were dismissed, they're not especially relevant from as legal standpoint. However, if you file... View More
answered on Apr 21, 2019
Your credit score will be drastically reduced and credit will cost you more than someone with good credit. However, many lenders will be happy to lend you money upon conclusion of your bankruptcy bc they know you can’t file again for eight years. It also provides you with a relatively easy... View More
I just filed for Ch 7. And just 1 day later my main bank which I have checking, savings, and a credit card with sent me a letter notifying me that all my accounts will be closed because they received notice of my filing. I immediately applied for a new account elsewhere. Will I need to report and... View More
answered on Mar 18, 2019
No. If you are creating and establish g the new account post petition, you should not have to report or amend.
Between April and May 2018, my Cousin needed a car and I felt I could not afford to keep up the payments on my 2013 Honda Civic Hybrid. She applied for a loan with her Credit Union and they had me sign over my interests and give them power of attorney. They then paid off my car loan in full with my... View More
My wife owns our home which she bought in 2003. The title is recorded in her name only as her sole and separate property and the mortgage and taxes are in her name only. At the time she bought the home, I signed a quit claim deed giving up all interest in the property. Additionaly, in 2011, she... View More
answered on Feb 15, 2019
Yes. There is still an equitable interest that you should list as an asset on your petition. Consult your Bankruptcy lawyer as to the further ramifications of the interest, but you should list it out of an abundance of caution.
I was already getting ready to file chapter 7, due to stroke, when I was surprised with this. I am home owner and afraid of property lien. can it be included if found against me
answered on Dec 10, 2018
Yes, it can. E included, but it might be better to go ahead and file, especially if you were going to file anyway.
How can a person who is barely surviving paycheck to paycheck waiting for paycheck to pay rent supposed to leave their job without consequences to make it in time to rental office before they close to pay rent ? If you don't make it in time by few minutes before the office closes then your... View More
answered on Dec 6, 2018
Unfortunately, every thing that you say is true but their demands and fees are within their rights.
answered on Oct 2, 2018
If your jurisdiction follows the federal exemptions, then the answer is no if in qualified retirement account. Check with an attorney in your state who specializes in bankruptcy
I do have my w-2’s available, just haven’t filed. The main reason I’m filing bankruptcy is so I can begin putting my extra income towards the monthly IRS debt payments.
answered on Aug 29, 2018
Yes, but they’ll want them filed and they won’t be discharges.
I tried to contacting xxxx LLC no response there was a fire on the property and I have no insurance policy to give my neighbor. The last time I spoke with him we decuss Renting to Own agreement that was 6/2013. The neighbors fire had me do some research and I found out that xxxx was sued for over... View More
answered on Jun 19, 2018
Your question has so many variations and possibilities that n one can properly answer it without substantially more information and investigation. Cantaloupe a local attorney, one who specializes in civil law, criminal law and bankruptcy. You have a very complex issue that may only be solved with... View More
answered on May 9, 2018
Yes, so long as it is a general power of attorney that specifies dealing with real
Estate as part of your powers.
Should I purchased an auto with cash or an even cheaper auto loan.
answered on Mar 8, 2018
If you're current on the auto loan payments, 95% of the time, the bank won't do anything, and you can keep paying the existing loan (and keep the car you have now). You may also be eligible for redemption, if the value of the car is less than what you owe. I don't think you'll... View More
Filed Chapter 7 bankruptcy, had the 341 hearing 40 days ago, and now one of the creditors changed the amount owed from 7k to 14k, which I was not aware. What do I need to do, do I have to amend the paperwork submitted to the court? Is there a document I have to submit to court to change the amount?... View More
answered on Jan 23, 2018
You can amend the schedule you filed showing $7000 to $14000 if you wish. The fact that you were incorrect about the amount should not affect the discharge of the entire amount. In chapter 7 it is being sure the creditor is listed that is more important than the actual amount owed in most cases. Of... View More
My mom was my co-signer for a car loan since then I have filed for bankruptcy and I am thinking of doing a voluntary surrender on the auto but I am scared it will affect her credit as well. I checked my credit and hers and there is something that got me off guard. On my account it states that the... View More
answered on Apr 11, 2018
Your bankruptcy discharge will no protect your mother. If the loan documents specify that she is liable if you do not pay, then the crediter will most likely be able to pursue her if it chooses to do so.
Regards,
Bill Cope
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