Get free answers to your Bankruptcy legal questions from lawyers in your area.
I'm 20 and filing for bankruptcy. I am 3 months behind on a car payment. I plan to catch up. My car is worth about 2700. Will I lose it because I'm behind?
answered on Sep 7, 2024
Filing for bankruptcy relief (generally, you are entitled to a Discharge in eight years) is a pretty serious step, and must be based upon all your present circumstances together with your future expectations.
And the cost of even the simplest bankruptcy will be close to the current value of... View More 
13 bankruptcy to get the car back. Should I give the keys so I can get my stuff?
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answered on Apr 25, 2024
In this situation, it's best to consult with a bankruptcy attorney before taking any action. They can provide guidance on how to proceed in a way that protects your rights and interests.
Generally speaking, if you plan to file for Chapter 13 bankruptcy and want to keep the car, you may... View More
I have filed my answer with a debt collector with a motion to dismiss with prejudice. I want to pay and get it over with I am even willing to pay the amount that they ask but they will not give me a written agreement stating that I will no longer owe anything to them regarding this debt. What do I... View More
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answered on Mar 19, 2024
In your situation, it's important to proceed with caution. Never agree to pay a debt without a written agreement, as this document is your proof that the debt will be cleared upon payment. You need this to ensure they won't claim you still owe money later.
Since the debt collector... View More
I want to pay the full debt I owe but their attorney does not want to send me a written agreement in Utah. The attorney I had a meeting with told me to send an email and that would be sufficient enough evidence to our agreement is that correct ? In the case that it sufficient enough what should... View More
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answered on Mar 13, 2024
If the attorney is not willing to provide a written agreement, that is concerning. While an email can serve as evidence of an agreement, it's always best to have a formal written contract when dealing with debt repayment to protect your interests. Here's how I would proceed:
1.... View More
I owe a debt about $1703 it is mine it’s for a credit card. I called and they transferred me to their lawyer because I am in the process of being sued and I’ve had that confirmed as true. The lawyer I spoke to said if I didn’t pay within today or by Friday they would add $350 more into my... View More
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answered on Mar 13, 2024
In Utah, you are allowed to record phone calls as long as at least one party to the conversation consents. Since you are a party to the conversation and you consent to recording it, you can legally record your phone calls with the debt collector and their lawyer.
Here are some steps you can... View More
I owe a debt about $1703 it is mine it’s for a credit card. I called and they transferred me to their lawyer because I am in the process of being sued and I’ve had that confirmed as true. The lawyer I spoke to said if I didn’t pay within today or by Friday they would add $350 more into my... View More
answered on Mar 11, 2024
That you've "confirmed as true" that you're in the process of being true means to me that there is a pending, actual Complaint pending in a Utah court of record against you.
While it is usually viable to deal directly with the holder of a defaulted account, or its... View More
I had on time payments on all of my accounts even when i filed bankruptcy. Once it was officially filed all 14 accounts were reported as negative marks as being banktruptcy.
When i have previously filed bankruptcy this never happened. One of the accounts is my car loan that I still make... View More
answered on May 5, 2022
Generally, the credit bureaus just publish comments about your accounts submitted by those creditors who subscribe to any of the credit bureau's service. The credit bureau itself doesn't generate comments about particular accounts, although the bureaus may have picked up your bankruptcy... View More
My partner has a SBA loan from 2019. Will it become my debt after we get married?
answered on Jan 24, 2022
On those simple facts, no. You marry the partner, not his/her premarital debts. You would only become liable for the debt if you consented, e.g., by assuming the obligation with a writing signed by you for some new consideration.
But, if, for instance, you somehow participated in your... View More
answered on Jan 14, 2022
This is not a bankruptcy question. This is a State Court matter, unless Federal Court, and you need to speak to someone in your State. This is because they (Plaintiff) may need to do an Alias Summons.
I was supposed to pay 2 payments and haven't been able to. I am filling bankruptcy and included the seller. Can he come and get her like he is threatening to do?
answered on Sep 25, 2021
No. Not if you’ve actually filed bankruptcy. Until you file, yes.
Ditech bought my loan. They were given all of my escrow in early September that was due in November. I didn’t know Ditech never paid my taxes or insurance until I received a notic that my house was going to be auctioned off. I had to prove to Ditech that it was their responsibility to pay it.... View More
This is a question for a family memwber not myself. Bankruptcy is due to a debt from a failed sole proprietor business, they no longer have a bank account into heir name due to business and those accounts being closed, due to debts they are unsure if they will be able to get an account at Bank or... View More
answered on Jun 30, 2021
That can cause a lot of mess and confusion for your spouse in her bankruptcy.
Do you want to do this? I suggest that you do the responsible adult thing and GET YOUR OWN BANK ACCOUNT!
Mortgage was refinanced over two years ago, petitioner was not on the refinanced loan, but was never taken off deed to house. A quitclaim deed was filed in February 2021. Due to it not being done when the refinance took place. Will that cause potential problems when filing a Chapter 7,... View More
answered on Jun 29, 2021
Yes. You need to contact your bankruptcy attorney immediately!
I was paid unemployment (California) based on $3,000 out of $38,000 in wages, against CARES Act calculation of unemployment for pandemic effected workers, and received only $87/week instead of $369, which disqualified me for extra $300/week in federal assistance.
As of Jan 31, 2020, I was... View More
answered on Feb 15, 2021
Give the reporting agency copies of your extensions and challenge the late reports on your credit report. That should be sufficient to correct it.
I have a question about liens. My ex-wife has a lien on my home for half of the equity of the home. My current spouse and I are on the current mortgage. I was hospitalized and accumulated a lot of debt from that hospitalization and there are two other leins on my home from a credit card judgement,... View More
answered on Jan 20, 2021
Yes. The liens can also be avoided under certain circumstances. Discuss with your bankruptcy Atty as to the best course of action.
I am not on the mortgage but I am on the deed for the house. will that effect my spouse at all?
answered on Jan 1, 2021
No, not unless you have a lot of equity or she stops paying the mortgage.
answered on Dec 1, 2020
I don't know! You live in Utah and things are done differently there! LOL
Please go see a divorce lawyer ASAP. Most good family lawyers will hear you out in the first sitting. Here in Florida (and in Texas and Oklahoma) the court can award temporary alimony, child support and... View More
My ex husband has never paid the marital equalization payment that became a judgement. I have a lien on the home but now he has filed a chapter 13, in it he claims that he owes me roughly 13,000 less than he owes me. should i file a claim in the bankruptcy court? the trustee warned me about going... View More
answered on Apr 28, 2020
The amounts he owes you, whatever they are, is a domestic support obligation and not dischargeable in bankruptcy. However, you should hire an attorney and file a proof of claim for the actual amount he owes, not the amount he claims he owes. That will help you get your money faster.
Got a letter from IRS they want to give us the $7500 back because of the current situation will we have to give it to the trustee
answered on Apr 17, 2020
Yes, unless you have sufficient exemptions left to protect it.
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