It's been auctioned, judge reversed the purchaser of the auction in Dec. 2020. I am now being sued for everything. I was not advised of the court date by my counsel and no one showed to represent me. My calls have not been returned. And to top that off my identity has been stolen and used. I... View More 
answered on Jun 25, 2021
If you own your home and your car with no loans or liens against them, you are likely to lose them in a Chapter 7, unless they are of very low value and lower than the Illinois exemptions. Your bankruptcy trustee would be entitled to sell your "non-exempt" property and distribute the... View More
They have since sold the store to another company. We were suppose to file for unemployment but now they are telling us we can't cause the other company bought our store. The other company wants for us to fill out new job applications. The Store closes on March 31, 2021. So who am I... View More
answered on Mar 26, 2021
This is not a bankruptcy question. It is actually a question about Illiniois unemployment compensation. I do not handle unemployment issues, but I believe that you would be ineligible for unemployment if there is a job offered to you with the new company and you decline. Even if one is receiving... View More
It is a long story, but basically I was selling an item through an app with a protection policy of as long as you buy through the app then you are safe, but recently I got tricked into thinking this guy used the app to purchase some items to me, but he didn't and sent a fake email as... View More
answered on Jan 17, 2021
Nothing in your question makes any sense. Perhaps you are not fluent in English. I have used PayPal since 1999. When someone pays you through PayPal, you receive an email confirmation AND the funds are IN YOUR ACCOUNT. In the days before PayPal, when you won an auction on eBay and paid by... View More
Can I obtain credit while in a chapter 13 if so what kind?
answered on Dec 17, 2020
You should get permission from the trustee or court before you incur any new debt of any kind.
I was injured at work, was on workers comp for several months and was cut off right before surgery by the whole insurance playing their games. my wc lawyer pawned me off to another "trial" lawyer who then pawned me off to another "new guy in the firm" lawyer who completely... View More
answered on Dec 14, 2020
I'm sorry to hear about your experiences. You should immediately reach out to a competent attorney to address the pending lawsuit from the actual company. At the very least you will need to complete consultation to fully understand your options.
I am trying to trade in a vehicle that is completely paid off. There is a memorandum of judgement for old credit card debt against me. This debt is only in my name, but the car is owned by both my wife and I. If I apply for a duplicate title, will the state stop the issuance of the title to me? Can... View More
answered on Dec 9, 2020
Unless there is a judgment lien against the vehicle, it should not affect your transfer snd sale of the vehicle.
I have 2 lawsuits which is the reason why I want to payoff those 2 debts because I cannot file Ch. 7 till June of 2021.
Because I will start to pay full alimony to my ex-wife starting December 1st 2020 which will bring net income to almost zero, that is why in June 2021 I will file Ch.7.
answered on Nov 17, 2020
Hello,
If you would like to receive a free phone consultation with an attorney please call us at 773-654-4518.
Thank you
DebtStoppers
answered on Nov 15, 2020
Rent is rent.
What you do need is a bankruptcy lawyer to review your entire situation. The bankruptcy forms are daunting for the unitiated.
Good Luck
d
answered on Nov 15, 2020
I think you should consult a good bankruptcy lawyer in your neighborhood, but absent that, if it is your expense, you include it. Even though you are not married you and she make up a "unit" that might require reporting. That's one reason you need a lawyer to analyze your... View More
The sole owner is my ex-wife but the mortgage is under my name, she files on her tax return all rental income and she handles mortgage payments.
answered on Nov 10, 2020
Hello
Thank you for reaching out to us. Please let me know what is a good number and when to call you so I can set up a free phone consultation with an attorney.
Regards,
DebtStoppers
I paid him in full on July 14th. I gave him all the documents and information that he needed to fill out the petition, but for the last almost 2 months, I can’t get him to return calls or emails. No petition has been completed for me to sign, and I am in desperate need for this to be filed... View More
answered on Oct 6, 2020
Go to his office, plant yourself, and don’t leave until he gives you a refund.
Can the courts take your unemployment money from you or is that untouchable?
answered on Sep 18, 2020
They are treated as income for the means test but you’re not likely to ever be turned down bc of them.
The mortgage is in my wife's name, but I am listed as a "tenant by entirety."
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answered on Sep 10, 2020
Absolutely... The Judgment Lien encumbers any and all interests you have in real property in the County in which the Judgment is recorded in. And you own the same estate your Wife does. Contact a competent Illinois attorney to get the specifics about how long the Lien attaches, and whether... View More
answered on Sep 8, 2020
You can still file solely although you need to let a bankruptcy attorney look at all your financials so you can take the best option.
answered on Aug 15, 2020
Your question is not a legal question, but a business question.
The only way to know for sure is to inquire from the credit reporting agency that is carrying it on your record.
FYI, you will be getting credit (card) offers shortly after your discharge probably because your are... View More
I have judgments against me totaling around $60,000 for credit card debt, plus another $40K in unsecured debt that has not been brought to court. All of this debt is in my name only. I am self-employed, but currently struggling/out of work. I would like to file a chapter 7, but my wife's... View More
answered on Aug 10, 2020
Try a Chapter 7 just in your name. Your wife has no obligation to pay your debts. Consult a competent bankruptcy lawyer who can review your financial situation before you do anything.
I am a sole proprietary business owner and married. I started my home business in August of 2019 and I work another job. The business has taken a hit due to COVID because most of the income is generated in-person sales. I was thinking of filing a chapter 7 but I was unsure how that could impact... View More
answered on Aug 3, 2020
In Illinois a homeowner is entitled to an exemption for their home. The exemption amount is $15,000 per person - so $30,000 if a married couple (assuming both spouses file). Since you are married, if you have more than $30,000 in equity, then you may have issues. If you have less than $30,000 in... View More
answered on Jul 9, 2020
They can if it does not conflict with the original creditors interests.
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