Get free answers to your Bankruptcy legal questions from lawyers in your area.
we got married after the bankruptcy was finalized, but I am worried that the bank might try to hold the money in his checking account for my old pre-marriage debt.
answered on Nov 8, 2015
There aren’t many lawyers answering bankruptcy law questions in Arizona. You can use the Find a Lawyer tool on this site to search for and contact a lawyer.
Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general information.... View More 
Collecting $150 per month for damage done on property. I owe IRS monies they said Trustee gets the money not IRS.
answered on Nov 8, 2015
There aren’t many lawyers answering bankruptcy law questions in Arizona. You can use the Find a Lawyer tool on this site to search for and contact a lawyer.
Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general information.... View More
I have a little over $14k in debt, divided uo between 11 collection accts. The highest being a little over 1k to school, 8k for a car repo, and 2k for broken lease. I currently make $30k annually before taxes, I have a car payment and other household bills my boyfriend and I share, I'm afraid... View More
answered on Nov 8, 2015
There are legal, financial and personal preference aspects to your question. Best to sit down with a bankruptcy lawyer and go through the details and options.
Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general... View More
We researched a few contractors through the Registrar of Contractors (in AZ), their references, BBB,years operational and online reviews. After choosing one we gave a deposit by check (as that is all they took); five days later they stopped answering emails. We were on a scheduled vacation and upon... View More
answered on Oct 8, 2015
Since Arizona is a community property state, all your and your wife's community debts accumulated during the marriage are included in the Bankruptcy. I am assuming you are filing without your spouse for a good reason as the Trustee will be asking. Her debts she has accumulated prior to the... View More
answered on Oct 1, 2015
Generally, since the 2005 Bankruptcy Reforms, both federal and private student loans are presumed to be nondischargeable in bankruptcy unless there is an 'undue hardship.' This term is not defined by the code, and it has been left to the Courts all over the country to decide case by... View More
answered on Sep 29, 2015
Based on these facts it is very likely you are noncollectable and do not need to file for Bankruptcy. However, if you want to explore how bankruptcy can help, you should contact legal aid to see if you qualify for their free legal services.
I am taking this woman to small claims court for 1800$ and was informed by her via text that she quit her job and filed bankruptcy. I need to know if this is true and if since my lawsuit is still pending (because she has been ignoring it) if I can continue or if there is any way to verify through... View More
answered on Sep 29, 2015
If you are a creditor, you should have received a mailed Notice of Bankruptcy from the Court, otherwise you can check the online PACCER system. It is a federal website that should allow you to see who filed for bankruptcy nation wide.
answered on Sep 29, 2015
The answer depends on what type of bankruptcy you are trying to file this time. Generally, you can file for Chapter 13 again after 2 years have passed from the prior case, and you can file a Chapter 7 after 6 years have passed. You should consider a free consultation with an experienced Bankruptcy... View More
answered on Sep 28, 2015
In the District of Arizona, when the case is dismissed, a copy is sent by the court to all parties listed on the mailing matrix. If you want an additional copy, you would have to contact the court clerk, but most likely either mail them a self addressed stamped envelope with $1.00 for the copy... View More
Also, via a QUADRO I have received additional money in a 457 account from my ex-husband, will they take that money? In sum, I have 2 different 457 accounts...one is mine, the other is $ from my ex-husband. Thanks!
answered on Sep 28, 2015
Generally, Qualified Tax Deferred retirement plans such as IRA's, Roth's, SIMPLES, SEP and 401k's, are exempt from the bankruptcy estate and therefore not subject to being seized by the Trustee. To determine if your specific §457 plans are property of the estate, you would need to... View More
Our plan will be confirmed soon. My lawyer has not contacted me to modify the plan. It is affordable to us now. Our income has increased but we have expenses for our two children in college. We have never qualified for Parent Loans in previous years but this year we did which caused the kids to... View More
answered on Sep 22, 2015
Obviously, you should talk to your bankruptcy attorney first. However, you can dismiss your chapter 13 at any time. When a dismissal occurs, all of your old creditors that have been stopped by the automatic stay will resume their collection activity. You can try to work something out with them,... View More
A roommate and I had a disagreement and he severely damaged my vehicle and home after making threats against me. He signed a promissory note before moving out and then avoided me. I won a judgement against him and he still refuses to pay anything. I am concerned that if/when I garnish his wages... View More
answered on Sep 22, 2015
It is impossible to accurately answer if your ex-roommate can file for bankruptcy without asking him a lot of questions about his income and expenses, liabilities and how long he has resided in Arizona. (the # of creditors is not really a limiting factor) However, your judgement against him will be... View More
answered on Sep 17, 2015
A typical no asset chapter 7 in Arizona takes approximately 4.5 months to complete from (Filing to Discharge). It there are assets the trustee plans to administer, it will be longer and it may take over a year for the trustee to issue a Final Report.
answered on Sep 17, 2015
Generally, Social Security Disability and Social Security are not included in the Means Test. However, they are included in the Income on Schedule I. Hopefully this helps answer your question. You should consult with an experienced Bankruptcy lawyer, if you have additional issues with your case.
federal loan
answered on Sep 7, 2015
Basically, no. But a complete review is necessary to determine the answer. You can go bankrupt on student loans in very, very limited circumstances. Go get advice from a bankruptcy attorney about this.
Note from mortgage refi people:
Bankruptcy and reaffirmation of WF mortgages
If WFHM was included in Chapter 7 bankruptcy, must have valid reaffirmation agreement (the schedule showing ‘intent’ to reaffirm is not sufficient) or court order approving the refinance by confirming... View More
Is there a hardship exemption in AZ for chapter 13 BK to retain your home under the homestead exemption if you do not reside there? We rented out our house for enough to cover the mortgage so that we could move in with 84 YO Dad to take care of him after he suffered an accident and is now indigent.... View More
answered on Aug 1, 2015
Check with your bankruptcy lawyer. He or she knows more about your situation than anyone here.
Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is general information that is given for legal education only. It is not legal advice, and... View More
answered on Aug 1, 2015
No question presented. Talk to a bankruptcy lawyer for assistance.
Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is general information that is given for legal education only. It is not legal advice, and it may not work for your... View More
answered on Jul 21, 2015
More information is needed as to whether it would save your house from foreclosure or just postpone the inevitable. Talk to a Bankruptcy lawyer.
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