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Auto loan is from 2007/2008 Pawtucket credit union. I live in Rhode Island. Also might have another judgment from a car accident when I had no insurance of my own & was technically at fault. Need to know if both of these will come off with bankruptcy or if I will still be obligated to pay them
answered on Sep 2, 2024
Validly perfected liens on a debtor's property generally withstand any bankruptcy relief. Note that auto liens are afforded some special rights. The attempted garnishment, however, is a separate matter, and most probably stayed by a bankruptcy filing.
Personal injuries to another... View More 
answered on Aug 27, 2024
I don't practice in RI, but from what little you say, you should probably file a response (in PA, any response to an attachment is to the Sheriff) and objection, claiming that what you own is "exempt property" set forth in the RI statutes.
An alternative/addition may be a... View More
This mean he is trying to add these taxes to his bankruptcy making me liable for the entire tax debt
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answered on Dec 10, 2023
Probably not. Generally, unless the taxes are more than two years overdue, taxes are not dischargeable in bankruptcy. That means that he will remain jointly liable with you. You should review his bankruptcy schedules (they are available on Pacer.com) to see if he has listed the taxes as a priority... View More
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answered on May 3, 2023
Cosigner on a Note does not make that person a tenant in common., etc. Hire a RI attorney to search the Title and determine ownership. At least read your Deed.
answered on Mar 25, 2019
No. You cannot file a new Chapter 7 until 2022; however, you can file a Chapter 13 at any time..
I am not eligible for financial aid through the hospital my surgeon used due to the procedure being dental related, not “medical.” My surgeon did not do a preauthorization for the procedure and neither my dental nor health insurance will pay for this bill. I am stuck with it and am only 21... View More
I have plenty of income. I intend to pay all creditors in full. Will this allow me to keep some income every month and go with a 5 year plan? For example, if I have $10000 in disposable monthly income and all debts/60 would be $4000/month. Mortgage and expenses cover another $3000 for a total... View More
answered on Dec 13, 2018
You can do a100% repayment plan over 5 years without incident.
answered on Oct 16, 2018
Chapter 7 is likely the way to go for you since you have no assets. Chapter 13 is a wage earner repayment plan designed for people who have assets they could not otherwise keep. Contact a local bankruptcy attorney who can guide you through the process.
I've had the bike for 11 years and finally went to the DMV to see if I still had a lean on it... I did not have a lien and was issued a duplicate title.. can I sell it?
answered on Jul 15, 2017
If there is no lien against the title you would be able to sell the bike in my state, Tennessee. If Rhode Island is a title state also you should be OK with selling the bike. Hope it works out. Good luck!
answered on May 21, 2015
One of the primary reasons that people choose to file for Chapter 13 bankruptcy is that a Chapter 13 payment plan allows for keeping property that serves as security for a debt (such as an automobile with a lien on it) and catching up past-due payments over time.
Kevin Chern is an Illinois... View More
Trying to complete the final course in personal financial management but the course will not except the following number 1:14-bk-12436 it is to long and only #'s how should this be written?
thanks
answered on Mar 27, 2015
When you have a problem like this, contact the provider of the financial management course support line or the attorney you hired to assist you with your bankruptcy.
Our 1st and 2nd mtgs were included in our bankruptcy. We were not allowed to reconfirm them, but we have continued paying on time and living in the property. Are we financially liable for the difference in amt owed and amt of a short sale since the discharge included the mtgs?
answered on Aug 9, 2014
If you have listed and included your two mortgages in your bankruptcy then you should not have liability for any difference between the amount of the short sale and what was owed. Your bankruptcy would have removed your personal liability for the mortgages. The only time that you would be... View More
answered on Feb 11, 2014
A: Unless there is unexempt property, usually a Creditor does not receive payment. Even when something is unexempt and administered, Creditors generally only get pennies on the dollar. Unless you can show some fraud in the granting of the loan and have your loan declared nondischargable, the most... View More
answered on Feb 11, 2014
A: Unless there is unexempt property, usually a Creditor does not receive payment. Even when something is unexempt and administered, Creditors generally only get pennies on the dollar. Unless you can show some fraud in the granting of the loan and have your loan declared nondischargable, the most... View More
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