Yes you can amend and add a creditor better to do so as soon as possible. It's necessary to do new declaration statements, etc. though so you should carefully review all the steps. This is a general forum and not meant to give specific details. You're better off paying an attorney a fee to visit... Read more »
I've been reading that you may have to file bank statements, tax returns, etc. I was only told that I needed to file the 60 days of pay statements for my wife and I with the petition and so I did.
It varies from district to district. If they require more, they will let you know.
It means a judgment or order was set aside.
Yes.
I know reaffirmation makes you responsible for the debt. However, if it helps build credit quicker it might be worth it.
If you’re not upside down on the car, you should probably reaffirm bc it will help the credit. However, if you owe. Lot more than the car is worth, you probably should not rraffirm bc it’s not that valuable if you’re upside down. There are other ways to build your credit.
This is the lawyer that represents one of the credit unions that I had a loan through.
If they have a different address you can send notice to them; however, they are not the creditor.
Probably not but they will have to amend the return.
I enrolled in a debt relief program and advised me to stop paying the credit card that I transferred to this program. I have not missed a payment since I enrolled and I am in good standing. Now, one of the cards is suing me for not paying and the debt relief program said that they can not give... Read more »
A debt relief program does not mean the creditor has to stop collection activity on you. I suggest you speak to a debtor's attorney regarding your options as soon as possible.
The mortgage raised my payments, and I can't make them, I don't want to lose my home
Hello - I answered this question already in another section.
I am a senior on SS, the mortgage raised my payments, and I can't pay them, i am in danger of losing my home, I have been trying for weeks to get someone to help me
If the mortgage raised your payments due to your taxes being escrowed make sure your taxing authority knows you're a senior so that your tax bracket is frozen and won't increase each year. You might file a chapter 7 bankruptcy to get rid of unsecured debt like credit cards and medical debt which... Read more »
The company won't work with at all, I am scared to lose my home, I am a senior on SS, I have no choice but to file
When you file bankruptcy for a mortgage it is generally a Chapter 13 to include the mortgage payments into the Chapter 13 payment - which means you have to be able to afford your regular monthly mortgage payment plus a Chapter 13 bankruptcy payment - you cannot just discharge a mortgage payment.... Read more »
We have the letter - from the Trustee: Chapter 7 Trustee's Report of No Distribution. Our Attorney states this is enough. Attorney is in car accident and on 3-week medical leave. Title company says the letter isn't enough but no real good explanation as to why. Maybe it's because the address... Read more »
Title companies often screw up bankruptcy questions, but I think they're right here. Until the case is closed, the home remains property of the bankruptcy estate and isn't yours to sell. The Trustee's Report of No Distribution doesn't affect this. Maybe there's a different view on this topic on... Read more »
I was a victim of an internet scam where they claimed to be a job, and my job was to be a representative for a company called Megameda.pl, which is a huge auction site. I did research and I found out they were lying the whole time and were using my information to scam people this way it landed all... Read more »
Report this to the authorities and let them investigate and pursue it for you. That way, you’ll be protected if anyone ever comes back to you for payment.
My job didn't take out enough and the Trustee never let me know
That’s not your jobs fault. That’s either the trustee or your attorneys fault. If the plan was less than 5 years, it can be extended.
If so, do I just place it on top when filing?
You probably just want to send the cover letter with the document production you send the Trustee after the case is filed.
If so, do I just put it on top of the paperwork or does it need to go in a specific place?
It really should go in the remarks section for the debt to which it pertains!!
URGENT: I’m in divorce final mediation... The respondent has made an offer to settle equity in property & has agreed to not include a specific debt in a Ch. 7 bankruptcy that he plans to file. Is it bankruptcy fraud if he agreed in final divorce decree to not discharge one specific debt listed... Read more »
This is a mixture of State and Federal law. Bankruptcy law states you must list all debt in your name and a creditor doesn't care who it got assigned to in a divorce decree; all they care about is who took out the obligation to pay the debt in the first place - that is who they will seek to hold... Read more »
"YES Money" Installment Financing. Can I include this in my bankruptcy?
Yes, but depending on when you file, you may have to pay it back.
Yes.
The median for family of 4 is $83,460.
Depends on IRS median allowances for that state as well as family size and other variables.
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