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Bankruptcy Questions & Answers

3 Answers | Asked in Bankruptcy, Banking and Collections for California on

Q: Chap 7. Wife not filing. Joint Citi checking w $5600 on line of credit. It's current. Can Citi offset if stays current?

Since it is a joint debt, can we exclude it from the BK and continue making payments on it?

We want to keep her strong credit completely clean.

Is there any reason to close the joint account?

Timothy Denison answered on Jun 17, 2019

Take her off all accounts if you want to keep her credit strong.

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1 Answer | Asked in Traffic Tickets, Bankruptcy and Criminal Law for Michigan on

Q: i was pulled over for speeding over 10 years ago, no proof of anything , and they found a $5 bag of weed 2694140856

DWOL CASES EVERY SENSE

Timothy Denison answered on Jun 17, 2019

What is your question?

1 Answer | Asked in Bankruptcy for Florida on

Q: I filed Bankruptcy in 2018 my wife however did not she is excluded on bankruptcy chapter 13. Can she purchase a car

Timothy Denison answered on Jun 15, 2019

Yes. She can do anything she wants.

1 Answer | Asked in Bankruptcy and Business Law for North Carolina on

Q: If I own a company (S corp) and we owe $18000 in loans/card debt what happens to the balance when we close the company?

I own an S Corp, we close the office last fall due to lack or work. We have not been able to get it going again and we owe 8k in cards and around 15k on a loan. If we file chapter 7 does the debt the company owed then comes to me, or is it gone with the failed company? As of right now I dont see... Read more »

Timothy Denison answered on Jun 13, 2019

Unless you signed as a personal obligation on the nite, the debt stays with the s Corp.

1 Answer | Asked in Bankruptcy for Louisiana on

Q: I have been in 13 for about 2 years when can I convert to a chapter 7

Timothy Denison answered on Jun 13, 2019

You can convert anytime.

2 Answers | Asked in Bankruptcy for Pennsylvania on

Q: I get extreme anxiety. I may need to file bankruptcy though. Is there any help for someone in my case?

I get extreme anxiety. It gets so bad that i get sick. I may need to file bankruptcy though. Is there any help for someone in my case where-for the majority of the conversations can be done via email?

W. J. Winterstein Jr. answered on Jun 13, 2019

There would need to be at least one initial face-to-face meeting, just lawyer and client (this is my personal requirement, not a requirement of law). The remainder of our communications can be by email if you can scan documents and send to me, and then if you can p;rint and sign documents.... Read more »

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2 Answers | Asked in Bankruptcy for Louisiana on

Q: I surrendered my vehicle in a chapter 13 I still had stuff in it and they came and got it while we were at work.

They never called us to tell us they were coming. What do I do and what are my rights.and can I get a hold of them to get my stuff. I am located in Louisiana

J. Thomas Ash answered on Jun 13, 2019

Call the lien holder and they will tell you where the vehicle is at. Then you can go get your stuff out of the vehicle as long as you have your id with you.

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2 Answers | Asked in Bankruptcy for Florida on

Q: I filed bankruptcy in 2014 or 15 how can I get a copy of it my lawyer seems to have been suspended and does not answer

I also have been contacted by a collection agency

Stuart Nachbar answered on Jun 13, 2019

You can go online to www.pacer.gov and set up an account and find it that way or you can go to the Bankruptcy Court and make the request

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1 Answer | Asked in Car Accidents and Bankruptcy for Wisconsin on

Q: I sued the person who hit my car for $7500.00, it became a default judgement because she did not show up in court.

I received a notice in the mail in regards to her filing chapter 7. Is there anything I can do? The paper stated that I can file a motion but will that help me?

Jordan Ash answered on Jun 13, 2019

Unfortunately there is nothing you can do unless there was alcohol involved in the accident. The person is allowed to discharge (wipe out) the debt that they owe you for the accident unless it involved alcohol (DUI).

1 Answer | Asked in Bankruptcy for Illinois on

Q: My mother has recently filed chapter 7. She has paid on a life insurance policy covering my father,

And he has more recently passed. She is listed as primary and I am listed as contingent beneficiary. Is there any way I can fight to keep the proceeds of the policy from becoming property of her bankruptcy estate? We have located a spendthrift clause within the insurance policy but are unsure of... Read more »

Timothy Denison answered on Jun 12, 2019

You need to have an attorney RE ire the policy, probably her bankruptcy attorney. You may be able to exempt some or all of the policy.

3 Answers | Asked in Bankruptcy and Estate Planning for Ohio on

Q: On average how reduced are debts after a Chap 13 bankruptcy? Does refi/2nd mortgage affect the decision to keep home?

I am a concerned daughter of a couple living in Athens County, Ohio. My father is ill with cancer (being treated through the Veteran Affairs system) and during my last visit (recent) my mom indicated they only have approximately 2 months worth of funds left to pay bills before potentially... Read more »

Bruce Alexander Minnick answered on Jun 11, 2019

No way to tell, because every Chapter 13 is different than every other Chapter 13.

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1 Answer | Asked in Bankruptcy for Florida on

Q: How many days does a non-moving party have to respond to MSJ in bankruptcy court in the southern district of Florida?

David Luther Woodward answered on Jun 10, 2019

Check the BK rules of procedure. I think it is 14, but don't guess. Know for sure. You can download the rules easy enough.

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1 Answer | Asked in Bankruptcy for Tennessee on

Q: Well in my previous question instated that inhadcfiled mybchapter 7 papers. I have not

Submitted my fees or paystubs yet my paperwork has been done for a couple.months I just filed last week but before I filed I had became employed and in also cashed out my 401k. That is not reflected in my paperwork can I change this or what needs to be done.

Anthony M. Avery answered on Jun 10, 2019

You need to Amend your Schedules and Statement of Financial Affairs immediately, prior to the Creditors' Meeting. This is not a job to perform pro se....hire a competent attorney now.

2 Answers | Asked in Bankruptcy for Alabama on

Q: I cannot afford an attorny

So how do I remedy this without an attorny

Bruce Alexander Minnick answered on Jun 10, 2019

The first thing to do id to tell us what "this" is.

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2 Answers | Asked in Bankruptcy for North Carolina on

Q: I'm 72000.00 in unsecured credit card debt, my wife is disabled from a lung transplant, now we face a kidney transplant

what happens if i just stop paying the credit cards, use a debt relief company, or BR

Bruce Alexander Minnick answered on Jun 10, 2019

You should try using a reputable debt relief company (watch out for scammers); if that fails look at bankruptcy.

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2 Answers | Asked in Bankruptcy for Wyoming on

Q: I included my house in bankruptcy last year, but I’m still living in it. Can I just walk way or could I short sale it?

I did a loan modification after bankruptcy and paid two months but couldn’t pay it anymore. The mortgage company said I can do a short sale. Is it ok for me to try to short sale or should I just walk away?

* There is no equity in the house and a did not take any money when the... Read more »

Bruce Alexander Minnick answered on Jun 10, 2019

The answer to this question depends on several unknow factors, such as how much equity there is and whether you took money out when you did the loan modification.

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2 Answers | Asked in Bankruptcy for Tennessee on

Q: I filed my bankruptcy papers and the paperwork shows I have a 401k that has been cashed out.

I have also been employed for the last 30 days my paperwork.was filled out when i had lost my job. What do i need to do. I still need toturn in my pay stubs and my fees. Should I adjust my income on there and how do I do it?

Bruce Alexander Minnick answered on Jun 10, 2019

Ask your bankruptcy lawyer; if you do not have a lawyer, find one.

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3 Answers | Asked in Bankruptcy, Foreclosure and Collections for Oregon on

Q: Will filing bankruptcy take my 81 yr old grandma's house off the auction block for 6/20/19?

I just learned that my grandma's house is in foreclosure and scheduled for auction in about a week and a half on 6/20/19 due to an unpaid loan. If she were to file for bankruptcy, would it take the house off the auction block?

Mr. Michael A. Shurtleff answered on Jun 9, 2019

Yes. Call a BK attorney in the morning

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2 Answers | Asked in Consumer Law, Criminal Law, Federal Crimes and Bankruptcy on

Q: Hello, i booked a villa through a very popular website. It turned out to be a fraud.

1-we payed the full amount, just because its bot the first time.

2- the website canceled the booking because they know that the host has violated some rules (however they did not state it in the email or sms) so we didnt know why the canceled.

3- if we knew that the host violated... Read more »

Gary Kollin answered on Jun 9, 2019

If you used your credit card, did you seek a refund?

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1 Answer | Asked in Bankruptcy, Contracts, Copyright and Estate Planning for Tennessee on

Q: Will Tennessee come get me in Dayton beach Florida if I have a warrant for probation violation

Timothy Denison answered on Jun 9, 2019

If they find out where you are, most likely they will, yes.

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