The accident happened when I was 16 years old. According to the police report, I was at fault. Although the other party hit me. The attorney for state farm insurance filed a lawsuit against me once I was of age and right before the statue of limitation. The judged ruled in their favor. It has been... Read more »
My former employer is The Krystal Company who filed on 1/19/20 and they still owe me money from where I worked a week in the hole. Am I considered a Creditor in their case because I received a notice of the bankruptcy filing
First, you should consult with an attorney as questions of exemptions and assets often are very fact sensitive and can be complicated when it comes to all of a filing debtor's assets. Georgia, I believe, does not recognize the federal exemptions and therefore you would be limited to state law...Read more »
Hello. Yes, every state allows exemptions, usually up to a certain amount of equity (the value of the residence minus any debt secured by the property). In Georgia, a homestead exemption of $21,500 is available or $43,000 for a joint case to those who qualify as residents under the applicable...Read more »
Hello, i was wondering if I could file chapter 7 in the state of Georgia as an independent or single person family household income separate from my family. I am 27, living at home, I do pay for all my own bills and make under the medium household income in the State of GA, which is around 40k and... Read more »
There are multiple interpretations of what constitutes a "household" for means testing purposes. Some judges will simply count how many people are living in the domicile, others will just look at your dependants, while others will try and figure out who's part of your "financial unit". My...Read more »
I have recently consulted an attorney and decided to file chapter 7; however, I need to wait to file for 3 - 6 months. I am current on all my Bill's never missed a payment, and I'm confused on when should I stop paying my credit card and loan debts. Should I start now or wait until I'm ready to... Read more »
Hello, I have contacted a lawyer in regards to filing chapter 7, and in that conversation the lawyer told me If I wanted to keep my car that I have loan for, all I need to do is just continue to make payments, that I dont need to reaffirm the loan or do anything else, is this true?
I am being sued by Capital One for a credit card debt. I have 30 days to file an answer. I just received a letter from the firm representing Capital One with settlement options including monthly, lump sum or 3 month payment plans. However, there is a line stating that a consent judgment may need to... Read more »
More than likely, the answer is Yes, if the only issue is late payments. If you have an attorney, contact him/her immediately and they may be able to work out an arraignment to get your payments current. If you do not have an attorney, I’d advise contacting one immediately.
In bankruptcy, you get to retain any assets which are covered by state and federal exemptions. The key to determining whether your home will be safe in bankruptcy is determining how much equity you have in your home (the home's value less any mortgages, liens, etc.) and how much equity your state's...Read more »
I need to submit a Motion to Reopen Chapter 7 case that has been discharged over a year to Vacate a Judgement lien on property that had a judgement on before I filed Chapter 13. I converted over to chapter 7 after the POA matter came up again and had it listed in my bankruptcy. The amount they... Read more »
If your wife is the only one coming into money, then I'd keep it segregated in her account and do with it what you wish. It's very unlikely that you'll have a problem, especially if your C13 plan is confirmed.
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