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Louisiana Bankruptcy Questions & Answers
1 Answer | Asked in Bankruptcy for Louisiana on
Q: When you are discharged from bankruptcy and are buying a car what form do you need to give a dealership.

Not just discharge papers the form the dealership has to fill out.

Timothy Denison
Timothy Denison answered on May 25, 2020

A copy of your petition and a copy of your discharge.

2 Answers | Asked in Bankruptcy for Louisiana on
Q: Can I keep my stimulus if I've been in Ch. 13 bankruptcy since Oct. '18? Do I need to take action to keep it?

Chapter 13 since October 2018, making payments on time. Trustee handles payments online and I'm wondering if I need to take any action to keep my stimulus check which has been scheduled to arrive soon. I would rather keep it for essentials versus losing the whole thing to my case/trustee.... Read more »

Timothy Denison
Timothy Denison answered on Apr 18, 2020

Yes. You can keep it.

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1 Answer | Asked in Bankruptcy for Louisiana on
Q: I am in Louisiana. My wife and I filed chapter 13 in 2016 and plan ends in October. Do we get to keep the stimulus?
Timothy Denison
Timothy Denison answered on Apr 10, 2020

As long as you meet all the requirements, yes.

1 Answer | Asked in Real Estate Law, Bankruptcy and Divorce for Louisiana on
Q: Property Settlement

Divorced for about 3 years, settlement not included with divorce, house acquired during marriage. I have been solely paying for the house and all related upkeep. How can I get the ex off the title? He already said he won't sign a quit claim. I don't have the money to sue him over this and... Read more »

Timothy Denison
Timothy Denison answered on Mar 18, 2020

Go back into the divorce case and ask the judge to remove him. The real question is why the settlement was not included in the divorce bc that is where all these type issues are handled.

1 Answer | Asked in Bankruptcy for Louisiana on
Q: How long can a chapter 7 trustee hold funds taken from a settlement without disbursing it to creditors.

I was discharged in May from a chapter 7. In September, the chapter 7 trustee decided to take some property I donated to my mother that was reported in the original filling with my interest in it. My attorney recommended I convert to a 13 to pay for the property to protect it. I just found out that... Read more »

Timothy Denison
Timothy Denison answered on Feb 27, 2020

Sometimes it takes a while for disbursement. I’d wait until it comes before I did anything.

1 Answer | Asked in Bankruptcy for Louisiana on
Q: Chapter 13 and Bond for Deed in Louisiana

I have been in Chapter 13 for one year. I would like to buy a house but cannot qualify for a mortgage. I have found someone that wants to sell their home with bond for deed (I pay monthly and the deed doesn't transfer to my name until fully paid with balloon payment in 5 years - at which... Read more »

Timothy Denison
Timothy Denison answered on Feb 12, 2020

Yes.

3 Answers | Asked in Bankruptcy and Collections for Louisiana on
Q: Do I need to make payment of not ?

My Dad & I have a joint car loan accout, I went online to make payment & it said- Account in bankruptcy you can make payment if you choose but we aren't attempting to collect a Dept. -I have paid for this car sense 2016 & want to know what I need to do moving forward or will my can... Read more »

Tammy Lyn Wincott
Tammy Lyn Wincott answered on Dec 20, 2019

When a bankruptcy is filed the lender usually stops accepting the payments online and you must mail them in. Sometimes they will send a payment book. Check with the bankruptcy attorney who filed the case.

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1 Answer | Asked in Bankruptcy for Louisiana on
Q: How can I stop a judement from being granted on a credit card debt that was sold to to debt collection agency without i

filing bankruptcy?

Timothy Denison
Timothy Denison answered on Nov 9, 2019

Negotiate a settlement. Dispute it. Or pay it.

1 Answer | Asked in Bankruptcy for Louisiana on
Q: In LA. 403b=$10K. Loan for $5K. Is prot prop. NOT listed as secure debt w/no objectn. Chap 7. Aft dischrg value 5 o 10K?

Sorry for all the abbreviations above. I tried to get in the essentials as I am not sure if you see this part. I am in LA. & have a 403b worth apx 1OK. I have a loan against it for 1/2 value (5K). I am filing chap7 pro se. It IS a protected asset, but I am not sure about the loan AGAINST it.... Read more »

Clark Dray
Clark Dray answered on Nov 7, 2019

Your retirement loan isn't a debt that you would list in the bankruptcy, because it's money you owe yourself. The consequence of not paying it is that it can be treated as a taxable retirement disbursement.

1 Answer | Asked in Bankruptcy for Louisiana on
Q: How do I find a person's/company's bankruptcy ruling?

Llewellyn and Brenda Landry or Triple T Electric Co.

Timothy Denison
Timothy Denison answered on Oct 23, 2019

Pacer.gov

1 Answer | Asked in Bankruptcy for Louisiana on
Q: Why do I need court permission to buy an automobile?

My wife filed Ch 13 one year ago. I did not. Our family car is sadly getting too expensive to repair and needs to be replaced.

Timothy Denison
Timothy Denison answered on Oct 8, 2019

You need court permission to incur ANY debt while you are still in a bankruptcy.

1 Answer | Asked in Bankruptcy for Louisiana on
Q: I filed ch 13 in March 2018, I was in a car accident in July 2019 Can the trustee keep any monies from the accident?

Insurance is trying to paying off my car but the trustee hasn’t allowed it yet. The trustee is still making payments towards the car even though the car is gone and she has been notified of this from the insurance company. My claim is still open for my physical injuries since the injuries are... Read more »

Timothy Denison
Timothy Denison answered on Oct 5, 2019

If you are in a 100% 13 plan, then no. If you are in a less than 100% repayment plan, then the trustee n mc at be able to get a portion of it.

1 Answer | Asked in Bankruptcy for Louisiana on
Q: I am the Seller under a bond-for-deed in Louisiana. The Buyer has been in default for a while, but I have not exer-

cised repo rights (contract states my repo rights are not voided if I voluntarily don't repo upon a default). Have been working with Buyer as they are friends. Have just learned they are filing bankruptcy to escape credit card debt, but I am concerned what happens to my rights as Seller... Read more »

Timothy Denison
Timothy Denison answered on Aug 29, 2019

They can reaffirm that debt and keep paying or they can reject the contract and walk away from it.

1 Answer | Asked in Bankruptcy for Louisiana on
Q: Is there a lawyer that offers free service for bankruptcy
Timothy Denison
Timothy Denison answered on Aug 6, 2019

Check with your local bar association or legal aid society.

1 Answer | Asked in Bankruptcy for Louisiana on
Q: In ch 13, I got a higher paying job, will the trustee take everything higher than when we filed?

I have been offered a higher paying job, however, I don't have transportation. I need to take out a loan during 13. Our lawyer says find another way to get to work. Dont tell trustee about new job. I don't think thats right, can I talk to the trustee or one of his employees, do I need to... Read more »

Timothy Denison
Timothy Denison answered on Jul 24, 2019

No. They will evaluate your new income in light of the plan and take a percentage of the increase.

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
Timothy Denison answered on Jun 13, 2019

You can convert anytime.

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
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 Louisiana on
Q: How long do you have to turn in your income tax return to the Trustee?
Kevin M Rogers
Kevin M Rogers answered on Apr 25, 2019

You have until the first meeting of creditors, or sooner!

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1 Answer | Asked in Bankruptcy for Louisiana on
Q: Why did my payment not go up as much as it was supposed to?

My payments were supposed to increase from 1190 every two weeks to 1390 every two weeks. I just looked at my husband's check stub and it only increased to 1283.14. Unsure why this is the case.

Timothy Denison
Timothy Denison answered on Apr 3, 2019

Most likely either a projected claim was not actually filed, an interest rate changed or some other payment variable was affected.

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