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I borrowed 48,000 16 yrs ago the 1st 6 yrs was 11.25% after modification it was still 8.9 alabama max is 8. I still owe 41,000 and I've already pd approx 83,000 and they still want to forclose what are my options?
answered on Dec 18, 2020
Plead the usury and fraud in the foreclosure action against you as affirmative defenses and file a counterclaim for overpayment.
At home with me. Will the courts consider her income as part of mine? Even though i do not use her money as contribution to my household?
answered on Dec 1, 2020
If you schedule your sole income and your sole expenses on Schedules I and J, your daughter's income from her employment should not be factored in. The corollary to that assumption is that your daughter earns just enough to pay for things like her vehicle, insurance, food ( at school or her... View More 
I owe taxes on 2 years prior to filing chapter 7, and I filed taxes based on income I received prior to filing. No one has lifted the automatic stay, and my case is not yet discharged, but the IRS took my refund, anyway. When i called, they said their system wasnt updated with my BK, but now it... View More
And also included in a bankruptcy filing but the two involved in selling the car to me or trying to get me to surrender the car to them or else I am in trouble with the law
answered on Feb 29, 2020
If you exempted the tax return on your schedules, you probably can keep it. If you did not, you may have to surrender a portion of it.
I filed for Chapter 7 in 2016 and dismissed in August of that same year. I am currently in Chapter 13 with 100 percent repayment. I have started nursing school and my work hours will be greatly reduced. Can I convert to a Chapter 7 or get my payments reduced?
answered on Feb 1, 2020
You must first determine if you received a Discharge Order in the prior Chapter 7 case. If you did not receive a Discharge Order in that case and it was dismissed without a Discharge Order, then you may be able to convert your Ch 13 to Chapter 7. You will need to sit down with your attorney and... View More
answered on Jan 28, 2020
You can protect some or all of your tax refund, depending on your federal or state exemptions.
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... View More
answered on Jan 20, 2020
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).... View More
answered on Nov 24, 2019
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.
answered on Sep 30, 2019
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.
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... View More
answered on Sep 7, 2019
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.
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?
answered on Jul 2, 2019
Who knows? Either ask your lawyer for his/her opinion or just wait and see.
So how do I remedy this without an attorny
answered on Jun 10, 2019
The first thing to do id to tell us what "this" is.
I’m returning to college to get my BSN.
answered on May 17, 2019
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... View More
answered on Apr 11, 2019
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.
answered on Mar 26, 2019
Go to pacer.gov, create an account and then you can look up your case and the details.
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