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I cosigned a car loan for a friend. He defaulted the car loan and the bank handed the loan to a collection agency. I had to declare bankruptcy which destroyed my once stellar credit score. As a result I'm strained financially and am still recovering my credit score. I am unable to get any... View More 
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answered on May 22, 2021
In general, a co-signor agrees to share liability for a debt with the co-debtor. A default by a co-debtor is often considered a default by the co-signor as well.
Did your friend use your information to apply for the loan without your consent? Did you willingly co-sign for your friend?... View More
answered on May 18, 2021
Look at the pro se rules on the Bankruptcy Court's website (I'm not sure which bankruptcy court in California you are in). There might also be a pro se clerk you can ask. You may be able to submit it online (NY has online upload for pro se debtors), or you may need to bring it to the... View More
I'm kinda stuck and confused on something. I'm trying to leave my sugar daddy but he is trying to get me jailed because he thinking I'm trying to steal from but what happens was he put money in my account about $4000 but the money he put in was fraudulent. I told he that the bank... View More
answered on Apr 18, 2021
Go to the bank. Sign a fraud affidavit and tell them what you know and you should be fine. You haven’t committed any crime.
Bank of America is suing me for not paying business card debt of $7000. I offered them half, they didnt agree. I cant pay more since Covid has affected business and I need to pay my employees. $7000 is the pay of one employee in my office for 2 months. Bank of America is restricting my ability to... View More
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answered on Apr 17, 2021
I’m very sorry to hear about your current situation. The pandemic has placed countless individuals and businesses in detrimental positions due to little fault of their own. However, if the debt is legitimate, Bank of America has a right to file a lawsuit to recover the debt.
From my... View More
my 64 year old sister took out several student loans about 15 years ago. At that time, she was diagnosed with advanced stage ovarian cancer. She survived the cancer, but the treatments wiped her out financially and can no longer work. She has no income, no savings, and can't get a job due to... View More
answered on Apr 11, 2021
Your question cannot be answered with only the information you have provided. Your will need to get a more in depth analysis with both an estate planning attorney and an accountant. And perhaps a bankruptcy attorney. Any money spent now will reap huge rewards down the road. Hopefully you are using... View More
Our combined debt is about $40K and we cannot afford to pay such a high price for a lawyer right now. We want to be able to buy a home in the near future, and are considering settling each debt individually or filing BK if that would be more affordable.
answered on Apr 8, 2021
Shop around. There are many competitive prices available from qualified attorneys who offer free consultations.
answered on Apr 6, 2021
Yes. You should start at pacer.gov. If they don't have the records there then go to the Bankruptcy Courthouse where the case was filed.
Gave jewelry as collateral- got a loan for $13000 = trying to buy back items from pawn broker who want $27942.26
Can they charge that much interest?
The paperwork states 45% charge annual is that loan sharking?
answered on Mar 4, 2021
Yes it is, and probably they can. Pawnbrokers have the ability to charge massive interest rates under many state laws. I am not familiar with your state, but here in Florida it is confiscatory.
You only mention bankruptcy. Go see a good local bankruptcy lawyer (not one of those mills... View More
For example, my brand is: Pinky Minnie Couture or Destiny Minnie Arts ...
Mom and dad are both late in their late 70's and I know dad has $25 - $35 thousand in credit card debt and his business has at least that much. I can make the house payment but if one dies I can't pay his bills. How would bankruptcy work in California.
At the risk of asking two... View More
answered on Feb 24, 2021
You have posed a multi-part complex question that only be definitively answered by a talented real property/bankruptcy lawyer in California. For instance, you cannot just waltz down to the court house and "take your name off" a mortgage. You are also resident in a community property... View More
We are a freight forwarder and at the brink of filing for bankruptcy. Our client, the shipper, ran out of warehouse space to accept shipments and instead had the trucking company hold the containers for over three months. The shipping company charges detention or per-diem fees for the containers... View More
answered on Feb 23, 2021
You should immediately consult an attorney to review all the contracts and any other paperwork. Without seeing the contracts, there is no way to answer your question.
Paid partial 2000.00 for filing 13 now not working and lawyer saids can pay later but I owe 7000.00 and must pay upfront to file 2400 for chapter 7 too . Do the courts look at I'm still going to be indebt and cut cost of amount I have to pay ? and car will have to pay lawyer to help me not... View More
Dismissing soon to file 7 lawyer is doing asked lawyer for itemized fees , never told me adding on 3000 plus already owe 5000 in trustee portal . I know that, If retainer said in chapter 13 I owe is this considered secured debt since they put I'd take loan on home to pay remainder if I... View More
answered on Feb 15, 2021
It's hard to understand exactly what you are asking here. You should get clear answers from your current attorney. Ask for a sit down meeting and bring a list of your questions and make sure you understand the answers before leaving.
answered on Feb 11, 2021
You should file an Answer. Otherwise, they'll get a default against you. That should buy you time to figure out next steps, including filing for bankruptcy. Once you file for bankruptcy, you'll get an automatic stay on collection efforts. You can then get the case dismissed because... View More
answered on Feb 8, 2021
You can file bankruptcy and eliminate the debt if you qualify. Call and attorney that practices bankruptcy and consumer protection law for a consultation.
Identity theft not caught until my credit card account was long depleted for my business
answered on Feb 6, 2021
File a police report for the identity theft (PC 530.5, et. al.) and a fraud claim with the bank and/or credit card company. You should not need to file bankruptcy.
Last month I collected all the paperwork to file with a lawyer, but now my husband just told me he wants a divorce & for me to leave. We rent this house, but owner sides with him. The lawyer I was going to hire changed his mind today because I now have to move to northern california with... View More
answered on Feb 3, 2021
As usual when attorneys don't adequately communicate, a lot of this doesn't make sense. Perhaps you just didn't understand all of what you were told, but more likely things weren't explained well.
If you are under median income with your husband, why would you file a 13... View More
My income is below the median, but because my rent is quite low, I have about $500.00 left over each month after I pay my monthly expenses. Will the availability of the $500 each month prevent me from filing a Chapter 7?
answered on Feb 2, 2021
The low rent will not usually affect your ability to file chapter 7 if your income is also low.
Get in touch if you are in the general Sacramento area and I will give you detailed information and advice.
I launched a new business the day shelter in place in California occurred. I'd been building the business for over a year & living on savings that's gone. I was a teacher for 20 years and had to quit due to cancer. I don't qualify for government help though I've tried. I... View More
answered on Jan 24, 2021
From what you've said, it would appear that Chapter 7 bankruptcy is the likely remedy for you.
It's best that you consult with a qualified bankruptcy attorney who will explain the entire process.
In our office, we provide consultations in that regard without charge.
It was discharged December 2020 however I pulled his petition and he lied regarding his income. He failed to list his live-in girlfriend and her income towards household bills and he also claims our son lives with him when he signed over his rights for visitation a year ago. Has seen our son 8... View More
answered on Jan 2, 2021
A bankruptcy discharge can be revoked for fraud, but it must be initiated within 6 months of the entry of the discharge order.
The Bankruptcy Schedules are signed under penalty of perjury. If a bankruptcy debtor attests to a deliberate lie in the Schedules, the penalty for perjury is 5... View More
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