Get free answers to your Bankruptcy legal questions from lawyers in your area.
I am a 75 y/o senior who filed emergency Chapter 7 bankruptcy Pro Se on 8/10/22 in Williamson County, TN, to stop a foreclosure sale. I have not filed financial schedules but the Trustee closed my bank account containing only proceeds from my husband's life insurance and took every penny,... View More 
answered on Oct 12, 2022
The purpose of the 2004 exam is to question you regarding potential assets of the bankruptcy estate. They will ask questions about financial accounts, the life insurance, and other assets. They will ask for copies of your records, and other information that you may know. It is a deposition, but the... View More
I have never filed for bankruptcy, and I don't know what this is or what it means to me.
answered on Jul 12, 2022
Probably sent to you in error. Call the trustee who filed it and they can probably resolve it.
answered on May 16, 2022
When you file for bankruptcy relief, you must sign several bankruptcy Schedules showing ALL your estates and ALL your debts, and swear to their accuracy. You cannot leave anything out.
Credit card and medical bill debts are generally unsecured, i.e., there is no collateral securing... View More
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answered on Apr 27, 2022
You should ask your attorney. But this does happen alot. There is nothing preventing you from continuing to drive the car, but you must be able to continue to register and insure it which can be difficult. When the secured creditor comes after, let them have it. Otherwise it could be charged... View More
if not can you tranfer title to co ownership prior to filing and then use the combined 10k wildcard exemption to exempt the 15K valued car?
answered on Apr 14, 2022
Your question ultimately is about Exemption Planning. You really need to be careful how you exempt the assets you own. There is wisdom in how to go about doing so. You should contact a Tennessee bankruptcy attorney to ensure that your assets are well-protected.
I make 1635 a month for 2 people and I have 4 loans that total 700 per month and my home and utilities are 600. Im not behind yet but i just can't keep up. I know it would damage my credit but can I alternate payments every other month or would bankruptcy be my best option?
answered on Apr 3, 2022
Take all your financial info to a bankruptcy lawyer. Most offer a free consultation snd can help you decide what to do.
answered on Jan 21, 2022
At the moment a bankruptcy case is filed, the automatic stay is triggered. The stay prohibits all creditors from taking any action against you or your property to collect a dischargeable debt.
If a secured creditor, e.g., the holder of a lien on a vehicle, wants to repossess, it must... View More
Accident occurred in 2013, judgement was rendered and a lawsuit filed on behalf of plaintiff in 2016. Amount $8000
answered on Nov 30, 2021
Yes, so long as the underlying accident did not involve a DUI on your part.
answered on Nov 5, 2021
That depends on what is contained in your Divorce Judgment. She is merely seeking to have her debt associated with the home discharged. There is no other effect whatsoever as to her her rights in the home. Whatever rights she had after the Divorce was granted should be the same after her... View More
This was approximately 5-6 years ago
the person whose name it is in is filing bankruptcy and us keeping their car and i cant refinance until the amount is lower. I am in Tennessee but the original owner is in another state.
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answered on Aug 27, 2021
The logistics of getting a BR Order with the Trustee transferring Title will be difficult. Once the property is abandoned to the Debtor, he may be able to sign the Title. This assumes the Debtor listed the vehicle in his Petition. It will usually take two years for the BR Case to Close. If... View More
calling me. What can I do or what can I tell them?
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answered on Mar 25, 2021
Call your lawyer. You will probably amend your Petition to include that Creditor. Do not talk to the creditor.
I filed Chapter 7 in TN, and my case was discharged appropriately. My student loans weren't discharged, which I knew going into the bankruptcy. Two of the other debts listed were unsecured debts that I owed to two different colleges; these are not student loans, but amounts owed directly to... View More
answered on Mar 17, 2021
Generally speaking, yes. Because they aren't protected student loans pursuant to 523(a)(8). You should go back to Court and file a violation of discharge action.
Knoxville area little town called maryville
answered on Mar 14, 2021
If you have a confirmed plan, just do what the plan says about what part of your income needs to be paid to the Ch. 13 Trustee. If your plan is not yet confirmed, you should still be able to keep your stimulus payment.
there’s 3 different charges, one going back 3 years. i heard that they go away after “7 years off being on your credit report.”
answered on Feb 27, 2021
Broad question- "what happens to whom?"
A financial institution's "charge-off" is an internal accounting and regulatory function; a charge-off by your lender in no way affects or reduces your legal obligation to repay the debt.
The length of time an... View More
Discharged in 2016. The judgement still stands in the courthouse but shows a zero balance. It no longer shows on my credit report. How do I get the judgement released?
answered on Jan 27, 2021
I'm in PA, but, assuming that TN is like most states, a judgment becomes a lien on all property of the debtor throughout the state in which it is entered.
If the judgement was entered prior to your bankruptcy, it had become a lien on your property, and pursuant to the Bankruptcy... View More
BF (now ex) and I bought a house together in Texas. Deed is in both our names but he's the only one on the mortgage; property is homesteaded, neither of us owns any other real estate. Since he earned 10x what I did, he paid the mortgage - until a year and a half ago when he sort of went out... View More
answered on Jan 20, 2021
(I practiced law for 15 years in Oklahoma City, but I've been practicing here in PA since '89)
The result of his bankruptcy filing on your interests will depend, in part, upon whether your ex files in TX or OK.
In OK, a joint owner has a right to seek contribution for... View More
Wil we get enough to buy a house with evidence from 11 yethat opiates prescribed to me foe no reason and prescribed while I was pregnant
answered on Jan 13, 2021
Your question is not clear. Please consider consulting with an qualified attorney in person to answer your questions.
My landlord told us before we signed the lease that we wouldn’t have to deal with strangers coming into our home for any reason but because she’s dealing with facing foreclosure on a different house that she hasn’t been able to get anyone to buy,she’s been trying to get someone to buy the... View More
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answered on Jan 4, 2021
Unless it is in your Lease there is no such prohibition. You may wish to find a leasehold elsewhere. A Buyer will take subject to your Lease, I would expect to not stay there much longer. A potential personal injury suit is not going to happen because it would be impossible to prove. causation.
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