The UCC was filed on 03/30/22, I filed bankruptcy on 05/10/22, because it was filed within 90 days prior to my bankruptcy filing does it become invalid? Thank you.
answered on Oct 17, 2022
The filing of a UCC-1 by a creditor more than ninety days prior to a bankruptcy filing (so not a preference) creates a perfected lien against identified collateral/property.
Liens are not dischargeable in a Chapter 7 case; nor can they be stripped down (the Dewsnup case).... Read more »
So I obliged to her request. However, it's not a mission, she moved in with her bf. I was paying for food and rent, knowing shes doing good in church. Moved forward, I was still supported up until September 1, 2022, cuz I found out that shes been cheating on me all this time. Also, I found out... Read more »
answered on Sep 28, 2022
You can probably sue her in small claims but I doubt many lawyers will be interested due to the amount in controversy. Most likely more trouble than it’s worth.
We live in Nevada
answered on Mar 22, 2022
As long as you are current on your home when you file Bankruptcy and remain current then the Bank will not be able to take your house because of a Bankruptcy. Bankruptcy also does not "save" your home from a Bank foreclosure unless you are repaying with a Chapter... Read more »
I had a voluntary dismissal of my chapter 13 case about 4 weeks ago. I received notice that the case was closed however I have not received trustee's final report and account. What is it?
How long does it take to get?
answered on Oct 21, 2021
The Trustee is required to make the report. It is merely an Accounting of what monies you paid in, what amounts the Trustee paid out, the Trustees fees and the balance if any remaining and where it went. The Trustee is showing you and the Court where the money went. You don't need to fo... Read more »
Files last year due to covid and most of income from partner. Got job offer and they’re doing background check. Only negative thing would be the bankruptcy. Can they take back offer due to that?
answered on Jul 10, 2021
They can take back their offer for any reason or no reason at all, at any time.
I was never notified and NEVER missed a payment. Furthermore they applied my payments to the wrong account equaling 7000. Do I have any recourse?
answered on Apr 12, 2021
You can file claims with the three credit bureaus to correct the record. If they do, problem solved. If not, file suit against the company to correct the error.
I live in my mother's house to take care of her, so I let my niece live in my house.
answered on Mar 25, 2021
These questions need to be answered by your bankruptcy attorney after he has reviewed your finances.
My mother died while in the bankruptcy process with a lawyer, but when I asked another lawyer to search bankruptcy databases, he found nothing. So is my late mother's estate entitled to a refund from her lawyer?
answered on Nov 11, 2020
Probably not. Most of the lawyer's work in a consumer bankruptcy, Ch. 7 or 13, must be done before the bankruptcy case is filed. Certainly, the Estate representative can request an accounting/refund from the bankruptcy lawyer, but you can expect that he/she will prepare a bill, showing time... Read more »
My ex-wife co-signed a personal loan and vehicle loan while we were still married. Our divorce recently finalized and in the divorce decree it states that I will take responsibility for both loans. I am past due on both loans due to loss of income. I had to switch jobs due to medical issues.... Read more »
answered on Nov 7, 2020
This needs the attention a good, local bankruptcy lawyer.
On general principals a Chapter 7 can discharge your obligations, but that does not discharge the debt on her part--she still owes it. Depending on the terms of your divorce decree it is possible that the divorce court could still... Read more »
Just received my w2 and since my income took a dive and I had a new child, I'm getting more than I thought I would.
answered on Jan 19, 2020
You can protect more of your refund up to the remaining g unused exemption amount in your state or under the federal exemptions.
Am I considered judgement proof?
I purchased my home 2 years ago. I filed chapter 7 5 years ago. One of the judgements I filed on has put a lien on my home I purchased years after my bankruptcy and now it’s holding up the sale of my house. How do I get rid of it?
answered on Nov 23, 2019
Provide the judgment creditor proof that the debt was discharged in bankruptcy.
Daughter has him living in my house. Against my desire. But is now fed up
answered on Aug 17, 2019
Tell him his share of the monthly payment and pay up or have him removed from the house.
answered on Jun 21, 2019
While you can file a Chapter 13 immediately after a Chapter 7, you're not eligible for a discharge of debts unless 4 years have passed between the filing of the 7 and the filing of the 13. A 13 filed within 4 years of a 7 would simply provide for the repayment of debts without a discharge of... Read more »
I filed a chapter 7 on 5/03 and received a standard discharge on 10/03. Then I filed a chapter 13 on 2/04 and it was dismissed on 7/04. filed another 13, 8/04 and it was dismissed 2/05. I didn't really file the two chapter 13 but it shows I did but I know who did. My question is this possible?... Read more »
answered on Jun 21, 2019
While you can file a Chapter 13 immediately after a Chapter 7, you're not eligible for a discharge of debts unless 4 years have passed between filings. Because the two Chapter 13 cases were dismissed, they're not especially relevant from as legal standpoint. However, if you file... Read more »
answered on Apr 21, 2019
Your credit score will be drastically reduced and credit will cost you more than someone with good credit. However, many lenders will be happy to lend you money upon conclusion of your bankruptcy bc they know you can’t file again for eight years. It also provides you with a relatively easy... Read more »
I just filed for Ch 7. And just 1 day later my main bank which I have checking, savings, and a credit card with sent me a letter notifying me that all my accounts will be closed because they received notice of my filing. I immediately applied for a new account elsewhere. Will I need to report and... Read more »
answered on Mar 18, 2019
No. If you are creating and establish g the new account post petition, you should not have to report or amend.
Between April and May 2018, my Cousin needed a car and I felt I could not afford to keep up the payments on my 2013 Honda Civic Hybrid. She applied for a loan with her Credit Union and they had me sign over my interests and give them power of attorney. They then paid off my car loan in full with my... Read more »
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