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Your current state is Virginia
I am considering filing for bankruptcy. My father passed away in September 2023, and his estate just settled. I have received his home, valued at $25,000, which needs repairs and has no water. There is no debt or lien on it. I haven't officially transferred the title yet. Can this home be... View More 
answered on Mar 18, 2025
You have a 27,900 exemption that allows you to keep up to 27900 in equity in your home you live in. It must be your residence. You also have a 4500 exemption for a car. If you live in the home and the truck is in your name you should have no problem.
I am in the process of filing paperwork to become the executor of my husband's estate after his recent passing. I have recently received paperwork indicating that I am in danger of losing my home due to foreclosure, and I need to respond urgently. The house is the only asset involved in the... View More
answered on Mar 18, 2025
If the foreclosure was just filed (as your questions suggests) it may not yet be the right to to consider a bankruptcy; especially if that is the only issue you are trying to resolve. If by "paperwork" you were referring to a notice of a sale, then that is a different story and you may... View More
I filed for Chapter 13 bankruptcy in Delaware four months ago, and my lawyer said I could keep my house. A previous sheriff sale was canceled due to the bankruptcy filing, and I resumed monthly mortgage payments to Carrington Mortgage Company, despite being seven months behind initially. Today, I... View More
answered on Mar 15, 2025
When you filed for bankruptcy relief (assuming this was your first bankruptcy filing), an automatic stay was enter, BY ORDER OF THE BANKRUPTCY COURT WHERE YOU FILED, prohibiting any creditor/claimant from taking or continuing all actions against you and/or your property. Only the bankruptcy court... View More
In 1997, my stepmother, brother, and I were hit by a drunk driver in Galt, CA. Unfortunately, my stepmother and brother were killed, and although I survived, I've had to undergo several surgeries since the accident. My mother sued and was awarded damages, but the driver filed for bankruptcy,... View More
answered on Mar 10, 2025
That was 28 years ago. Any statute of limitation has long since expired. Your mother likely sued for wrongful death of your brother, and was likely awarded the policy limits of the drunk driver. Even if you were within the statute of limitations, there is likely no other money to collect. It is... View More
I need to know if there is a specific form required in North Carolina to file a Motion to Stay Execution on a money judgment against my LLC. I have three judgments totaling around $500k. One judgment is being settled, but the other creditors are not responding. I have not filed any motions yet. All... View More
answered on Mar 12, 2025
No, there is no "form". I have answered your question before a few weeks ago, and an out of state lawyer provided a thoughtful answer. If you refuse to file bankruptcy you need to hire an experienced attorney to help you, this is too difficult a Motion to attempt to do on your own. A... View More
I need to know if there is a specific form required in North Carolina to file a Motion to Stay Execution on a money judgment against my LLC. I have three judgments totaling around $500k. One judgment is being settled, but the other creditors are not responding. I have not filed any motions yet. All... View More
answered on Mar 10, 2025
Most "forms" are a trap, trusting you to choose what may be relevant to the Court. Most courts have rules that prohibit offers of proof on matters not well pled in the forms.
And a pleading almost certainly triggers a court hearing.
On top of that, most lawyers will... View More
I am a pre-senior and disabled individual facing overwhelming debt, and I am at risk of eviction and homelessness. My payday loans and other bills are out of control, and while I've consolidated my credit card debt with CCCF, I haven't managed to consolidate my payday loans. Last year, I... View More
answered on Mar 6, 2025
Based on your description, it appears you are fighting an uphill battle that you can never win. Consider looking into filing for bankruptcy. But first, please understand that bankruptcy is a very complicated process. It is important that you educate yourself about bankruptcy before jumping into the... View More
I am the executor/trustee of an estate and have inherited a home. However, I am considering filing for bankruptcy to clear my personal debt, which includes credit card and personal loan debts, unrelated to the estate or home. I am currently employed and have not previously filed for bankruptcy. Can... View More
answered on Feb 28, 2025
Eligibility for the different chapters of the Bankruptcy Code are in Section 109.
Here are two helpful sitess:
www.experian.com/blogs/ask-experian/what-are-the-requirements-for-bankruptcy/#:~:text=Chapter%207%20bankruptcy,?msockid=0b6ad8f42a4e6c3a3945cb8c2b676d4c... View More
Is a surviving spouse responsible for paying off credit card debts that were solely in the deceased spouse's name if the jointly owned home could cover these debts?
answered on Feb 28, 2025
As a general rule in Michigan a spouse is not responsible for the sole debt of a deceased spouse. If the home was held in the entireties - as husband and wife, a creditor of the deceased spouse could not attach a lien to the home. Whether a creditor could make a claim against the probate estate,... View More
Is a surviving spouse responsible for paying off credit card debts that were solely in the deceased spouse's name if the jointly owned home could cover these debts?
answered on Mar 8, 2025
The surviving spouse will only be responsible for the credit card obligation if they were a co-signer. If the decedent's estate is probated, then the creditor will file a claim against the estate. Unless the personal representative's estate objects to the balance amount (which they... View More
I recently filed for Chapter 7 bankruptcy through the Western District of Virginia’s eSR system. I carefully prepared all documentation and attended my 341(a) meeting on 2/14, answering everything truthfully. On 2/26, I received an email from the U.S. Trustee’s Office stating there is cause for... View More
answered on Feb 27, 2025
TRying to do your bankruptcy on your own is very dangerous. There are so many reasons that you may have incorrectly provided information in your pro se filing. So get an experienced bankruptcy attorney. Pay the fee to get it done right this time. Please never hide assets. You must be able to... View More
I need to file a motion to stay execution in North Carolina regarding a money judgment awarded against me on October 7, 2024. I've been trying to resolve and settle this matter with no communication from the creditor, and I'm at risk of being forced to file bankruptcy to save my business.... View More
answered on Feb 26, 2025
On what grounds? The Court cannot "force" your creditor to talk to you, to negotiate or work out a payment plan. The creditor has every right to ask the Sheriff to take property to satisfy an unpaid judgment, and this one has been outstanding for over 4 months.
You best see a... View More
I filed for Chapter 7 bankruptcy in Kentucky 10 years ago. I am now looking to purchase a home. Can I have assets like a house in my name without the risk of a lien being placed on it due to the bankruptcy from 10 years ago?
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answered on Feb 26, 2025
If you listed all the creditors you had then and got a discharge, then those debts are gone and cannot be collected upon. But if you have been sued since or incurred other debts, then you might have something to worry about. If so, consult with a KY attorney about asset protection and exemption... View More
I've been employed with a retail/pharmacy store for 9 years, which recently went through bankruptcy but emerged successfully. Despite this, the store began cutting hours and letting people go. As a union store employee, I was laid off a few days ago due to 'lack of hours,' according... View More
answered on Feb 23, 2025
First, you should apply for unemployment benefits.
Second, assuming you are an at will employee, it does not appear that you have any claim against your employer. Employers can terminate an at will employee for any reason or no reason, but not prohibited reasons such as hostility toward a... View More
I am facing financial hardship due to consuming credit card debt and my credit score is not sufficient to consolidate it. My employer offers only a hardship withdrawal as an option from my 401k, but my situation does not meet their hardship criteria. I am willing to pay the 10% penalty fee. My... View More
answered on Feb 21, 2025
I have a feeling that your situation probably does meet the hardship criteria, but that maybe you not using the right buzz words when you describe your situation to them. You probably just need some help in writing a better request.
I do think you need advice in-person from a bankruptcy... View More
I am considering filing for Chapter 7 bankruptcy due to a garnishment related to an eight-year-old car repossession, with a remaining balance of $13,000. The creditor takes my tax refund annually, including $3,400 this year. I haven't sought professional advice yet. My concern is a discrepancy... View More
answered on Feb 21, 2025
Dealing with garnishments and old debts is stressful. Chapter 7 bankruptcy might be an option, but the income difference between your 1099 and bank statements needs careful attention. Courts require accurate financial records.
Since you haven't consulted a lawyer, a free consultation... View More
I am planning to file for Chapter 7 bankruptcy and need advice on how to handle the vehicles in my name. My wife's car is financed and currently has no equity. I own a van worth about $4,000, which I intend to keep. Additionally, I have an unregistered, non-working vehicle valued at around... View More
answered on Feb 17, 2025
The vehicles should not present any problems in a Chapter 7 filing. The $4,000 van will be exempt from your Trustee's liquidation efforts. The wife's vehicle with no equity will not be liquidated by the Trustee--if you want to keep the vehicle just continue making the monthly payments.... View More
I am considering filing for bankruptcy due to financial difficulties following my husband's passing, which changed my financial situation significantly. I am unsure about the differences between Chapter 7 and Chapter 13 bankruptcy. I have some concerns about potentially losing assets like a... View More
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answered on Feb 15, 2025
Start by talking to a bankruptcy attorney in your area. Most offer free consultations. There is also a lot of information on the Bankruptcy Court's website: uscourts.gov. Your local bankruptcy court may have a free clinic to help you get started. You can also contact your local bar... View More
Do these affect the personal credit report, or not? Currently the credit card is not reflected on my personal credit report, and I don't remember if I personally guaranteed the card or not.
answered on Feb 10, 2025
It all depends on your statement and guarantee of the bank credit card. I believe the statement should have both your business name and your name on it a joint debt. If you list the debt in the bankruptcy it comes off your credit as discharged in bankruptcy . If it is only in your business then it... View More
Officer and cannot “prosecute” an alleged violation as a juridical officer of the court as well. Is this not a violation of the constitutional separation of powers?
2. Why is the prosecutor statements and evidence being allowed as facts in the courts by their fellow bar member judges?... View More
answered on Feb 8, 2025
1) Actually, the clerk of court (an officer of the judicial branch) issues a summons at the request of a party to a case, or that party's attorney.
2) Attorneys request judges to admit evidence and thus consider it in making decisions. A judge and the attorneys practicing before such... View More
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