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but before the 341 hearing.
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answered on Sep 12, 2024
Yes, you can add additional debt when converting from Chapter 13 to Chapter 7 bankruptcy in Kittitas County, Washington, before the 341 hearing. When you convert your case, you have the opportunity to amend your bankruptcy schedules, including Schedule E/F, where you list unsecured debts. This... View More 
I bought 6 appliances from an appliance business that has recently filed Ch 7. I have extended warranties on all appliances. Due to personal financial issues I got way behind on my credit account payments to this business and they closed my account and I now have a lawsuit for repayment to this... View More
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answered on Sep 11, 2024
When a business files for Chapter 7 bankruptcy, it typically means the business is liquidating its assets and will no longer be operating. Because of this, you may face difficulty obtaining warranty information or getting the warranties honored. Unfortunately, if the warranties were provided by the... View More
A process server came to our door trying to serve a summons to my wife and her name is the only one on it not mine. It’s not my credit account either. Do I by WA State law have to accept her summons if I’m approached by the server?
I'm not an attorney and it seems that there are very few attorney's that are filing subchapter V's in Washington state and perhaps the entire country. I understand it is a new law, but it is supposed to be easier and smoother than a standard Chapter 11. The estimates I've gotten... View More
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answered on May 17, 2024
Very difficult. Chapter 11 (regular or subchapter V) is very complex with lots of requirements and rules. A $50,000 retainer is not unusual and well worth the investment if you want to save your business. If you haven't already met with a local bankruptcy attorney, you should definitely do so.... View More
As a creditor, I was planning to file an objection to discharge in hopes of getting my money back. Now I’ve learned that the debtor is on a 100% plan. Does that mean my money will all be repaid and that I don’t need to worry about my claim being discharged?
answered on Feb 21, 2024
A Plan that pays off all creditors in full is a one hundred percent Plan.
The advantage to the debtor is that no interest or other charges on any unsecured claims, e.g., credit cards, accrues, and the Plan may be as long as five years.
The disadvantage to the debtor is that for that... View More
The Company I purchased the car from is Shift and my financer is Westlake Financial. Shifts headquarters are in California, I bought it in Oregon. I currently live in Washington.
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answered on Feb 9, 2024
If it's Shift that filed bankruptcy, it shouldn't affect you or your car loan. If it's Westlake Financial, it probably still will not affect you. Most likely, Westlake's contracts will likely be sold to another company. Keep making payments like you have been. If another company... View More
answered on Jan 24, 2024
Your question cannot be reliably answered because it offers only two debt items.
Your options, among which are some of the bankruptcy Chapters, can only be determined by a full consideration of your likewise full financial situation, both income and debt service for... View More
He filled under chp 7 and then switched it chp 13. The trustee keeps sending letters saying everything is wrong n the motions. My lawyer keeps emailing me that he made mistakes. I don't trust him or what is being said at this point. But I am finding it very hard to figure out my next steps.... View More
answered on Aug 3, 2023
You can fire or hire any lawyer you want anytime you want. No restrictions.
They failed to contest during the bankruptcy process and now completely ignore calls, letters of discharge sent to every address they have and faxes.
answered on Jun 17, 2023
Reopen your bankruptcy and file a motion to hold them in contempt for violating te permanent injunction.
they say they will and when asked if there is a problem they assure you not, how should you deal with this?
answered on Apr 26, 2023
Ask for an itemized statement of charges, discharge them as your lawyer and hire a new lawyer.
We live in WA state. Debt is personal loans and credit cards. The personal loans are in my name alone. I am the owner of the credit cards, but my wife is a co-borrower. She has no income and has had no income for over 8 years. Would I have to file bankruptcy with her? If I file alone, could... View More
answered on Apr 26, 2023
You can file for bankruptcy relief singly (her income would be considered in a determination of "abuse of the bankruptcy system", but you appear to be exempt from that).
If you file a Ch. 7 case, there is no legal protection in a bankruptcy that covers her. In a Ch. 13 case, the... View More
answered on Apr 8, 2023
No. Discovery requests are not filed as a public record, unless, and only to the extent that, the same are controverted and a protective order is sought. The same is true of documents produced in response to discovery requests. Only after culling, and if a judge permits, are documents produced... View More
Currently working with a lending company that I have paid each month since we financed the vehicle. Currently fiancee and I are in quite the finacial hardship and I asked them if I could pay them on the 3rd, knowing that I will also be making a payment on the 18th as well in March. Payment is due... View More
Hi,
I have bankruptcy back in Nov 2019.
I forgot to include one of the collection from 2018.
It’s been 4 years is there any way to remove it?
answered on Feb 13, 2023
Contact your bankruptcy attorney to see if the petition can be amended.
I got into an accident and didn’t have insurance and am now expected to pay $22,000. I don’t have that kind of money and am trying to explore my options. Desperately need help.
answered on Jan 3, 2023
Really the best answer to this question is to consult with an experienced bankruptcy attorney. Usually married couples file bankruptcy together, but they are not required to and some file individually. If you file individually without your husband joining the petition it may or may not effect him... View More
Hi everyone, I don't have any specific geographical location in mind, so if lawyers have examples of laws that they know of, regardless of region, it'd be interesting to hear them:
Is there anything in the law to prevent litigation used by one larger company (that can handle... View More
answered on Jan 4, 2023
Generally not unless it involves the purchaser becoming so large as to violate the Sherman Anti-trust Act. The activity you describe is called corporate raiding but is usually legal when performed within the rules of a particular state.
I allowed my cousin to use my 9k credit card back home overseas to assist him with starting a business. He agreed to pay it back in a timely manner so I agreed to it. Few months later I received many return check fees on my credit card which maxed it out to over 55k on my credit card balance which... View More
answered on Nov 4, 2022
Your entire financial situation needs to be evaluated before you file bankruptcy but score you do that, why don’t you report the activity as fraudulent and see if the bank or lending agency will refund or void all those charges as fraudulent. You may only be liable for the first $50 if it is... View More
answered on Feb 19, 2022
I am not so sure you are correct. Have you talked to a Bankruptcy lawyer where you live now? To have jurisdiction where you now live you have to have lived "the greater part of the last 180 days".
Go see the lawyer
Good Luck
d
I have the money to pay the amount for "the amount alleged to be due and still owing under said judgement"
This amount is higher than the amount on the collections agency website. I just want to pay it and never have to think about it again. How do I do that?
answered on Jan 15, 2022
Send a cashiers check directly to the creditor by certified mail, return receipt requested.
I am the one making payments. Should I be worried . Does this affect my home? could they take it?
answered on Nov 22, 2021
As against the bankrupt, a mortgage or note provision that the filing of a bankruptcy triggers and acceleration of the debt has been held to be unenforceable by most courts.
And so long as the mortgage debt is being paid as due, most mortgage lenders/servers are happy and would not attempt... View More
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