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I am a senior on SS, the mortgage raised my payments, and I can't pay them, i am in danger of losing my home, I have been trying for weeks to get someone to help me
answered on Dec 6, 2019
If the mortgage raised your payments due to your taxes being escrowed make sure your taxing authority knows you're a senior so that your tax bracket is frozen and won't increase each year. You might file a chapter 7 bankruptcy to get rid of unsecured debt like credit cards and medical... View More 
The company won't work with at all, I am scared to lose my home, I am a senior on SS, I have no choice but to file
answered on Nov 26, 2019
When you file bankruptcy for a mortgage it is generally a Chapter 13 to include the mortgage payments into the Chapter 13 payment - which means you have to be able to afford your regular monthly mortgage payment plus a Chapter 13 bankruptcy payment - you cannot just discharge a mortgage payment.... View More
We have the letter - from the Trustee: Chapter 7 Trustee's Report of No Distribution. Our Attorney states this is enough. Attorney is in car accident and on 3-week medical leave. Title company says the letter isn't enough but no real good explanation as to why. Maybe it's because... View More
answered on Nov 23, 2019
Title companies often screw up bankruptcy questions, but I think they're right here. Until the case is closed, the home remains property of the bankruptcy estate and isn't yours to sell. The Trustee's Report of No Distribution doesn't affect this. Maybe there's a different... View More
I was a victim of an internet scam where they claimed to be a job, and my job was to be a representative for a company called Megameda.pl, which is a huge auction site. I did research and I found out they were lying the whole time and were using my information to scam people this way it landed all... View More
answered on Nov 23, 2019
Report this to the authorities and let them investigate and pursue it for you. That way, you’ll be protected if anyone ever comes back to you for payment.
My job didn't take out enough and the Trustee never let me know
answered on Nov 18, 2019
That’s not your jobs fault. That’s either the trustee or your attorneys fault. If the plan was less than 5 years, it can be extended.
If so, do I just put it on top of the paperwork or does it need to go in a specific place?
answered on Nov 16, 2019
It really should go in the remarks section for the debt to which it pertains!!
If so, do I just place it on top when filing?
answered on Nov 16, 2019
You probably just want to send the cover letter with the document production you send the Trustee after the case is filed.
URGENT: I’m in divorce final mediation... The respondent has made an offer to settle equity in property & has agreed to not include a specific debt in a Ch. 7 bankruptcy that he plans to file. Is it bankruptcy fraud if he agreed in final divorce decree to not discharge one specific debt... View More
answered on Nov 14, 2019
This is a mixture of State and Federal law. Bankruptcy law states you must list all debt in your name and a creditor doesn't care who it got assigned to in a divorce decree; all they care about is who took out the obligation to pay the debt in the first place - that is who they will seek to... View More
"YES Money" Installment Financing. Can I include this in my bankruptcy?
answered on Oct 30, 2019
Yes, but depending on when you file, you may have to pay it back.
The median for family of 4 is $83,460.
answered on Oct 28, 2019
Depends on IRS median allowances for that state as well as family size and other variables.
Automobiles are in Plan. I cannot afford payment for the car if taken out of plan. My ex pays thru payroll deduction.
answered on Oct 5, 2019
If you have your ex sign the title, you can transfer into your name, assuming it was provided for that way in your divorce.
That was in 2018. Our autos included in Plan. How can I put auto in my own name without having to pay on my car myself?
Having major issues and I want to know if I can file a new Ch. 7 as a single person. I still live in TX but have a legal issue that must be paid off by Oct 2020
answered on Oct 1, 2019
You must wait 8 years from the time of your last discharge unless you want to file a Chapter 13.
PLEASE CANCEL QUESTION. I HAVE ANSWER. Its a pdf document and I can't seem to duplicate then add another page so I can enter more creditors. However, I can print the blank page and handwrite the creditor info and add that pg to my official form. Is this acceptable? Or does everything need... View More
answered on Sep 30, 2019
You should type them on a blank page or pages and include the same information as on the official forms. Just add the pages after the schedule E/F in the official forms.
Not sure if I'll need this for 2019 Ch 7 Bankruptcy (filed Ch 7 in Southern District in 2008, discharged in 2009) I am filing myself in Northern District, but lost my 2009 file in move and would like to get this copy from archives. I live in Northern District now so must be done online or by mail.
The automobiles are included in bankruptcy monthly payments. Both automobiles are in both names.
answered on Sep 5, 2019
If you have filed bankruptcy, unless the landlord has had the stay terminated, he cannot take any action against you.
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