In 2014 I co-signed a student loan application for my stepson. His mother and I got divorced later that year. All during the plan this “Sallie Mae Bank Inc” loan showed as being in a “Closed” status on my 3 credit reports. Now that I have completed the plan and received a discharge the... Read more »
You can contact the credit bureaus regarding this but the bottom line is you are still obligated on the note. Was it not dealt with in your divorce?
Commercial property in ALABAMA was sold in 2017 with owner financing with 30% down and 7 years of monthly payments at 6%. The contract was recorded in court house as a lien. The buyer (LLC) with personal guarantee paid on time for 2 years and now filed for bankruptcy (both LLC and personal).... Read more »
You can take the property back and sell it to someone else. You have no recourse against the bankrupt buyer unless the bankruptcy isn’t discharged.
Yes
You should search for legal aid in Alabama, and see what is available close to you. If you don't qualify, keep in mind that most attorneys will only charge you if successful in finding you disabled.
Yes. You should list everyone in the household.
However, I just today received a periodic statement from the Chp 13 trustee and noticed in the "Balance Owed" column that I owe more than $6K more than my scheduled remaining 6 more monthly payments will cover. Looks to be that the Trustee payments were increased when a new trustee took over a few... Read more »
Check with your attorney but I suspect you will have to pay it.....to properly finish your plan.
I will be discharged from Bankruptcy in 10 months.
No. You do not have to report your new spouses income.
My Chapter 7 bankruptcy discharge is set for early next week and I have yet to receive the reaffirmation agreement for my auto loan from my finance company. What are my options to keep my car?
Who knows? Either ask your lawyer for his/her opinion or just wait and see.
So how do I remedy this without an attorny
The first thing to do id to tell us what "this" is.
I’m returning to college to get my BSN.
You need to seek permission from the trustee and the court to incur new debt.
My ex-husband recently included me in his bankruptcy for my share in our divorce settlement. I was informed by the trustees office that my ex's $170,000 Secured debts would have top priority, then my Priority debts would be paid. I would like to avoid waiting 2/3 years to receive my settlement and... Read more »
Absolutely. It cannot hurt to file and Objection. Worst that happens is it is denied. Best case...you get paid. It is a domestic support obligation so he can’t bankrupt it.
Go to pacer.gov, create an account and then you can look up your case and the details.
She should have been listed as a co-signer/creditor in your bankruptcy. Unless you are obligated to pay the co-signed debt under your property settlement agreement in your divorce, she likely doesn’t have a claim against you.
Yes. However, it it involves injuries resulting from s DUI, it will not be dischargeable.
My parents have a house and the joint tenant deed where if my dad dies it goes to my mom and if she dies it goes to me and my 2 brothers. I am going bankrupt and don't want them to lose their home because of me.
It is a future contingent interest. You should be fine but consult a lawyer in preparing your petition.
We just moved to AL from WA State. Our truck, with all of our belongings broke down the day we had to leave. We were told that it could not be repaired by the dealership because the part needed was no longer in production. I could not find a used part anywhere. Eventually we had to leave everything... Read more »
A bankruptcy filing may be the answer. Our office would provide a free consultation as well as a payment plan for legal fees and costs. The filing of the bankruptcy case puts a Stay ( stop) Order on all of your creditors. All calls, legal actions, wage garnishments, bank attachments etc must stop... Read more »
I was in 13 when it happened, but before the settlement was in I had converted to 7.
You should discuss this privately with your bankruptcy attorney. If you don't have one, you might want to seek the counsel of one in your local area as soon as possible.
2.3 Question: Income tax refunds and returns. Answer: Debtor will retain any income tax refunds received during the plan term. However, question 5.2 Question: Percentage, Base, or Pot Plan. Answer: Base Plan. this plan proposes to pay the amount to the trustee (plus any tax refunds, lawsuit... Read more »
Are you trying to file your Chapter 13 without an attorney? If so, although it will sound self-serving from the standpoint of a legal professional, I don't recommend that. There is virtually no chance a Ch 13 matter will succeed without legal assistance, and, based on your questions, I can only... Read more »
We are both married and we each have our own mobile home on the 8 acre property and the other 3 mobile homes have family members residing in them and they all pay one towards property tax and insurance and any other expenses that are for the property. Just don’t want all of us to lose our homes... Read more »
If your mother files Chapter 7 bankruptcy, you will be in a legally conflicted position as regards her interests in obtaining a discharge and as regards the "bankruptcy estate" created by operation of law upon filing. A Chapter 7 Trustee will be assigned to her case who has the duty and ability to... Read more »
Hire a collection or family law attorney who can collect it for you. Bankruptcy does. It stay the collection norenforcement of domestic support obligations.
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