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My credit is shot so don't think I can refinance. some one suggested to file bankruptcy. As I red up on bankruptcy it said u can't include second mortgages in bankruptcy. Is that true?? Is there a way around it? What else can I do if I can get a loan to refinance or anything?
answered on Sep 15, 2023
Bankruptcy Chapter 13, enacted back in 1978, quickly became known as the "save the house" route.
An arrearage in a first mortgage debt can be cured, *at no accrual of interest*, in a Ch. 13. More relevantly, a second mortgage debt can be similarly treated. And if it can be... View More 
answered on May 4, 2022
You’ll need to contact the Court and find out who the trustee is administering the case.
Spouse and I are physically separated but legally married. We share custody of two minor children. She lives in a rented apartment and I remain in the house we purchased jointly - the house where my children spend the majority of their days and nights. She just informed me of her intent to file for... View More
answered on Aug 4, 2019
Depends on the equity in the house and how much you can protect with your exemption(s). Many more facts are needed to properly answer this question, but above us the short answer.
answered on May 24, 2019
This will be difficult to do, but it can be done--if you help your fiancé by retaining a bankruptcy lawyer for her. They will take it from there.
answered on Apr 25, 2019
If you are a personal guarantor, you remain obligated to pay the loan even if your boyfriend files bankruptcy. You aren't required to file bankruptcy too, but you remain responsible for paying that debt.
I have moved to Sioux Falls after my Sole-Proprietor business in Iowa failed due to health issues.
answered on Feb 11, 2019
As long as you have been in Sioux Falls for 6 months (180 days), you can file in your current state, otherwise, you have to file where the business was. As a sole proprietor your business goes where you are
answered on Jul 10, 2018
Bankruptcy attorney who does creditors rights and Chapter 11.
I am fixing to start getting my wages garnished for hospitals bills totaling over $21000.00. Is there any way to check my credit report so when I file we make sure to do it all. I have student loan debt and know that can't be taken off and I will still have that. How do I go about filing... View More
answered on Sep 26, 2017
Get to a local bankruptcy counsel asap. Perhaps he/she can get you an emergency or "bare Bones" filing before the wage garnishment starts. Fees vary in regions. Most counsel will import a Credit Report to make sure everything is listed on the Petition.
I live in Worthing, SD but I filed it before I moved from Spearfish, SD. I was told to mail the application for bankruptcy release to the Clerk of Courts in Lawrence County in Deadwood, SD. The said to complete it I need to have a certified copy of my bankruptcy dismissal. The employee will not... View More
answered on Apr 30, 2017
Your question doesn't make sense. Once a lawyer files your bankruptcy case, he is stuck with you until he officially withdraws from the case or the case is dismissed or discharged.
He can't just retire and walk away.
Anyway, assuming your case is dismissed, you need to... View More
The payment I receive from a business sale is $1250. I must pay $812.50 to the court. I'm looking for a way I can keep my entire payment until I can get back to work.
answered on Aug 11, 2015
Speak with your attorney about this. If you do not have one, then you need to go see one about this.
answered on Feb 12, 2014
A: You cannot amend to include post filing bills, only bill from prefiling. However, the cost to amend/reopen can be sizable. You should balance the amount of debt vs. the cost.
answered on Feb 12, 2014
A: Sign up for PACER, it is a free governmental service, as long as you use less than $15 a calendar quarter. Then sign on at the District Court's Bky Site for the specific district and perform a search. From the Docket you can print copies of the documents.
answered on Feb 12, 2014
A: Sign up for PACER, it is a free governmental service, as long as you use less than $15 a calendar quarter. Then sign on at the District Court's Bky Site for the specific district and perform a search. From the Docket you can print copies of the documents.
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