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answered on Jul 22, 2011
Chances are that a lender is a partial cause of your need for a modification, so I would hire counsel to assist you. there are counsel who focus their practice on modifications, so I suggest that you hire one of them.
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answered on Jul 13, 2011
Many people file bankruptcies without a lawyer. Less in recent years since bankruptcy reform in October of 2005. The answer really depends on your ability to understand and follow law and instructions, how complicated your financial situation is and what you hope to accomplish.
answered on May 26, 2011
Under the 2005 amendments to the bankruptcy code, a person can't obtain a bankruptcy discharge within eight years of their last bankruptcy discharge. A Ch. 13 can be filed, or a Ch 7 case can be converted to a Ch. 13, if the plan payments will conclude outside the eight year window between... View More 
answered on Apr 20, 2011
Need more information. What type of bankruptcy, what is the commission for, how much is it for, etc.?
answered on Mar 13, 2011
Technically, you only have to disclose actual debts that you have as of the date of filing of the bankruptcy petition. So, if you have a credit card with a zero balance on the day you file for bankruptcy, you don't have to list it on your schedule. Whether or not you'll actually be able... View More
answered on Mar 13, 2011
This may not be a satisfying answer, but here it is: it depends. I can tell you that if you file bankruptcy, immediately it will create the "automatic stay." This prevents creditors from being able to take any action against your property without the bankruptcy court's approval.... View More
answered on Jan 21, 2011
Notification of the bankruptcy filing only gets sent to creditors or other relevant parties. There is no list sent out to all banks.
I had a real estate business which was dissolved by the state. I had a business loan of $ 100,000 I filled for bankruptcy as a person and my debt was discharged. I still receive letters from the bank and from attorneys. Should I fill for bankruptcy or should I just apply for a voluntary dissolution... View More
answered on Dec 6, 2010
You probably want to talk to the attorney that help with the bk petition. Likely there is a security agreement in place. If these are unsecured prepetition contingent claims they were discharged by the bk provided that the creditors had notice of the discharge and their claims were scheduled.
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