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California Bankruptcy Questions & Answers
3 Answers | Asked in Bankruptcy for California on
Q: I have no money I'm broke and no job. I need to file bk without a fee?
Stuart Nachbar
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Stuart Nachbar
answered on Sep 28, 2017

You can make an application to the court to waive the fee. Must show severe hardship

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3 Answers | Asked in Bankruptcy, Civil Litigation and Probate for California on
Q: Who can represent my dead father in court?

My father was sued, but never told my mother or family about it. It ended up in a default judgement, because he stopped going to court. He died soon after the judgement was issued. Do we have any course of action to appeal the case? If so, can one of the kid's represent my father, as my mother... View More

Bruce Adrian Last
Bruce Adrian Last
answered on Sep 27, 2017

Dear Los Angeles:

You state that the case ended up as a Default Judgement, which normally occurs when a defendant does not file an answer. (There can be other ways to get a judgement short of trial, but they are not entitled "default judgements.")

There are grounds on...
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1 Answer | Asked in Bankruptcy, Business Formation and Collections for California on
Q: How often can bk be filed? Gen Part of LP filed Chap 7, five years later the LP files Chap 11, what's next & when?

A General Partner (GP) of a CA Limited Partnership (LP) filed for personal bk, Chap 7, and the LP was listed as a co-debtor. All claims discharged including many from the LP. Fast forward five years, the LP is now in Chapter 11, with the GP threatening to also file bk personally once more. How... View More

Harlene Miller
Harlene Miller
answered on Sep 21, 2017

A second chapter 7 case can be filed 8 years after the filing date of the prior case in which a discharge was granted, but no sooner. If the debts that the LP included in the chapter 11 were listed as creditors in the GP prior bankruptcy, then all of that debt has already been discharged as to the... View More

1 Answer | Asked in Bankruptcy for California on
Q: I was divorced, In the divorce settlement the wife stayed with the house. After the divorce I filled bankruptcy.

In the BK the second was discharged but they put a lien on the house. Can the X-wife request for the lien to be removed. House being only on her name?

Harlene Miller
Harlene Miller
answered on Sep 14, 2017

In your bankruptcy (assuming a chapter 7), your personal liability to the debt was discharged, but the lien on the house would have survived and remained on the property. Or, are you saying that after your bankruptcy, the lender put a lien on the house? Please respond back with more details so I... View More

2 Answers | Asked in Bankruptcy and Real Estate Law for California on
Q: Can a second loan of a house be diminish if gotten by ex while couple were still married.

I got a divorse in 2007 my exhusband did a BK in 2010. A second loan of the house put a lean in the house . The Deen is being under my name since 2008. The house was granted to me in the divorce, He did the BK in 2011 same time when lean was place in the property. I also did a BK in 2012. House in... View More

Theodore Allan Greene
Theodore Allan Greene
answered on Sep 14, 2017

You should sit down with an experienced attorney with all the above documents so you can get a full analysis. It's very difficult to give you any answers without more details and actual documents. Good Luck.

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3 Answers | Asked in Bankruptcy for California on
Q: is chapter 13 multiple bankruptcy filing within a year or a calendar year (jan 1st -dec 31)?
James Geoffrey Beirne
James Geoffrey Beirne
answered on Sep 5, 2017

The Code says within a year which means the 12 months preceding.

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1 Answer | Asked in Bankruptcy for California on
Q: in bankruptcy court does the law say no multiple filings within a calendar year or within a year?
Harlene Miller
Harlene Miller
answered on Sep 5, 2017

Your question is vague. What specific information are you seeking? Are you looking to file another bankruptcy case after a prior case was filed? If you filed a prior chapter 7 and received a discharge, you cannot receive a discharge in another chapter 7 if filed within 8 years before the date... View More

1 Answer | Asked in Bankruptcy for California on
Q: I had my Creditors meeting today.

I had my creditors meeting today and the person who helped me fill out the paperwork did not my car down as an exemption. Schedule C was left blank. The only valuable thing I own is my car. We have 1 car fir the whole family, I obviously want to kerp it. It is paid off. I'm gonna amend... View More

Harlene Miller
Harlene Miller
answered on Aug 24, 2017

There is more to it than just filing an amended Schedule C. The document must be mailed to all of your creditors as well. You need to get assistance from a bankruptcy attorney to ensure that this is being done correctly.

1 Answer | Asked in Bankruptcy for California on
Q: Can a public notary come knocking at my door to "council" me for the 341 meeting?

I filed a chapter 7 bankruptcy with a public notary. They overcharged me & I reported them in court. In California, if you're not a lawyer, they should only charge you $200. I paid $850. This person made me file without having all my creditors on file. And then threatened to charge me over... View More

Harlene Miller
Harlene Miller
answered on Aug 23, 2017

I urge you to report this information to the Trustee at your hearing. This is inappropriate behavior. Paralegals are limited in what they can do when providing services to a person filing bankruptcy. However, it is also your responsibility to review the documents that are being filed in your... View More

1 Answer | Asked in Bankruptcy and Divorce for California on
Q: Can the trustee make me pay my ex-husbands creditors using my home's value?

We divorced about 2 years ago and settled the property by signing I would refinance the house, to take his name off, & I would pay him only 30K, and I could not file for alimony. That was our agreement and it was signed off by the judge at court. Now he files for chapter 7, & the trustee is... View More

Harlene Miller
Harlene Miller
answered on Aug 18, 2017

You need to immediately seek an experienced bankruptcy attorney to assist you in looking into this matter. In addition, your family law attorney who assisted you with the settlement should be consulted as well. Unfortunately, the filing of the bankruptcy provides the chapter 7 Trustee the ability... View More

2 Answers | Asked in Bankruptcy, Contracts, Foreclosure and Real Estate Law for California on
Q: Can an HOA sue for dues on a time share property that was foreclosed upon 9 years ago through a chapter 7 bankruptcy?

My husband was served a complaint yesterday indicating that he was being sued by the HOA of a timeshare property that was foreclosed upon during his bankruptcy 9 years ago. They are claiming he has not paid his HOA dues for 9 years, which amount to $35,000 plus attorney fees, etc. I am an attorney... View More

Harlene Miller
Harlene Miller
answered on Aug 14, 2017

As a bankruptcy attorney, I can address one issue: So long as your husband remained on title, he was responsible for paying the HOA fees even after the conclusion of this bankruptcy case. If a foreclosure actually took place, but new title was never recorded, he would have remained as the title... View More

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1 Answer | Asked in Bankruptcy, Business Law, Collections and Small Claims for California on
Q: I sued AAMCO Monrovia & won. Haven't collected all award yet. AAMCO's moved. How do I find out if they filed bankruptcy?

If they just changed location (& banks), how do I find out? If they filed bankruptcy & liquidated, how do I find out who their lawyers were, or who was made trustee, so I can collect the final money they owed me?

Harlene Miller
Harlene Miller
answered on Aug 8, 2017

As a creditor, you would have received notice of the bankruptcy filing in the mail. You could do an internet search for the company to see if anything is available about a bankruptcy. Or, continue to attempt to collect.

1 Answer | Asked in Bankruptcy for California on
Q: Does a bk attorney see the debtor til the end of the bk? After 3.5 yrs my attorney has dropped my case? Is this legal?

Yes, it is a Ch13.Regarding the Retainer Agreement,unfortunately, my original documents were destroyed in a fire at my mother's house. About 1.5yrs ago I contacted her by email to request info on paperwork I had received from the trustee. At that time she informed me that she had 2children... View More

Harlene Miller
Harlene Miller
answered on Aug 4, 2017

It depends upon your agreement with the attorney. You did not say the type of case you filed, but if it has been going on for 3.5 years and it is a personal case, it is likely a chapter 13. Did your attorney provide you with a Retainer Agreement at the start of the case that identified the terms... View More

1 Answer | Asked in Bankruptcy for California on
Q: How can I strip a second after bankruptcy and how does motion to value work.
Harlene Miller
Harlene Miller
answered on Aug 1, 2017

Stripping a second of property is not done "after" bankruptcy, but part of the bankruptcy process. It is a complicated process and should not be attempted without an attorney. I strongly urge you to contact an experienced bankruptcy attorney to evaluate whether it is an option for you... View More

1 Answer | Asked in Bankruptcy for California on
Q: Received 1099C after filing Chapter 13. Chapter 13 dismissed due to missing a payment. Can bank take vehicle?

Fiance filed Chapter 13 last March 2016. Our co-financed truck was included. In January of 2017 we each received a 1099C for the same amount each from the bank the truck came from. Due to lack of employment over last few months we fell behind a couple payments and trustee dismissed his case.... View More

Harlene Miller
Harlene Miller
answered on Jul 24, 2017

A 1099C is issued for unpaid debt which has been forgiven. Of no bankruptcy is completed, discharging the liability, then there is a tax consequence to the forgiveness of debt, it is treated as income - hence the 1099C. If a bankruptcy is completed through discharge, then there would be no tax... View More

3 Answers | Asked in Bankruptcy for California on
Q: I had a bankruptcy discharge Nov 2013 chapter 7. There was a secured loan a second on my home from a credit union .

Can the credit union foreclose on my home

Harlene Miller
Harlene Miller
answered on Jul 21, 2017

The result of filing bankruptcy and receiving a discharge is that your personal liability for the debt is discharged. Note the word personal. In this case, your personal liability to the credit union has been discharged - the credit union cannot seek payment from you. However, the discharge does... View More

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1 Answer | Asked in Bankruptcy for California on
Q: Does location matter when a business undergoes chapter 7 bankruptcy?

Hypothetically, if a privately owned business undergoes a chapter 7 bakruptcy and a franchised version of the same business opens in the same exact location aa the bankrupt entity, does it make any difference for the people seeking relief? How does this work? Is there a limit to how long the... View More

Harlene Miller
Harlene Miller
answered on Jul 19, 2017

I strongly recommend consulting with an attorney. If I am understanding your question, it sounds like one business closes and the same business starts up allegedly as a new entity. If assets, ownership, etc. are the same as the new entity, and creditors impacted by the bankruptcy realize this,... View More

4 Answers | Asked in Bankruptcy for California on
Q: I own a duplex with a friend. We each live in one unit. The mortgage loan and the title list both of us.

He is going to file for bankruptcy..is that going to affect me or the property in any way?

Harlene Miller
Harlene Miller
answered on Jul 17, 2017

When the co-owner files for bankruptcy, he will be required to list the property, his interest, as well as listing the mortgage lender as a secured creditor. There will also be a place for him to identify the co-owner. It will be critical to get a current fair market value for the property from a... View More

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2 Answers | Asked in Bankruptcy for California on
Q: I have a total debt of $55k to include a 40k car loan. In near future, I won't be able to keep up. Is bankruptcy option?

The rest of our debt after car is medical bills and CC. I was getting by because I was in school full time and collecting GI BILL money on top of my salary. My school money stops in August and I have a bad feeling that I will quickly fall behind. Im not sure id bankruptcy is an option. If I filed... View More

Harlene Miller
Harlene Miller
answered on Jul 13, 2017

Bankruptcy may be an option which can be determined by a good bankruptcy attorney to analyze your finances and assets. If the "family vehicle" you are referring to is the one with the loan - you can likely keep the vehicle but you must continue making the loan payments in order to do so.... View More

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2 Answers | Asked in Bankruptcy for California on
Q: My Daughter has Cerebral Palsy and has $26,000 in debt. Are there attorneys who help disabled people and Bankruptcy?

She also was served with a lawsuit today from Synchronicity for $5,000 which she had actually paid $2,200 of then they added the interest of 18 months because she had not paid the full balance of $4,400 off, so it went back up to $4,000and now more interest. She said she did not understand that... View More

Manuel Alzamora Juarez
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Manuel Alzamora Juarez pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Jul 8, 2017

All attorneys have a non-discrimination policy in providing bankruptcy services. So the fact that your daughter has cerebral palsy is irrelevant. The only issue is whether she has property that can be used to pay her bills and or expenses that exceed her income. Best regards.

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