Get free answers to your Bankruptcy legal questions from lawyers in your area.
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 
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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.
Commercial property with a market value of 1.8 -2.0 Mil . Have 1st $ 2nd Mortgages for 1.5 Mil. Have a lien from a lender who used it as collateral for 1.2 Mil.
I can afford the 1st & 2nd mortgages. If I have to pay a lender who used the property as collateral do they need to be... View More
answered on Jul 6, 2020
To keep property you will have to pay all three liens. The third may be avoidable to a degree. Consult a qualified bankruptcy attorney
in an attempt to get away from the drugs and get a job that would allow me to keep the car i moved to a different state and while in the other state the cars ecu blew up while i was driving and i didnt have insurance on the car yet then the bank had it repoed and told me it was a blown up motor... View More
answered on Jun 10, 2020
You can negotiate with the creditor to resolve it. Offering a lump sum payment as resolution might go a long way to settling it. If not, your only other option is bankruptcy.
I am a banquet hall business owner. My bank has refused to give me relief on mortgage payments because I was already behind 2 payments due to the increase in property taxes in the county. The bank has filed for foreclosure during covid and intends to appoint a receiver in June 2020. At this point,... View More
answered on May 18, 2020
I can't tell from your facts if you are facing a business bankruptcy, a personal bankruptcy or both. However, it sounds like you need a mechanism to stop the litigation and to liquidate debts in an orderly fashion. That is one of the functions of a bankruptcy case. I need to know more about... View More
still have the title until I completely pay the bankruptcy off, but I have been recently in a minor accident and the insurance company wont pay me unless I have a lienholder release form. Will I be able to get that since the car is paid off eventhough the bankruptcy isnt?
answered on May 15, 2020
You should be able to, yes. Consult the trustee on your case and tell him what has happened.
It has past late charge fees and past other fees. I filed in 2009 and never got a statement like this before. What does this mean? It also states our records show I I’m a debtor or I discharged personal liability for my mortgage loan in bankruptcy
answered on Apr 25, 2020
The bankruptcy administration finally caught up to the mortgage. The accuracy of how they are reporting you depends on whether you reaffirmed the mortgage or not.
Divorce final 12-2018. Ex wife who lives in Tennessee filed bankruptcy on truck I was awarded in divorce. Her name was supposed to be court ordered off title but that didn't get put in divorce so it didn't happen. I was never notified. It went into bankruptcy in April of 2019. I recently... View More
answered on Apr 25, 2020
You should contact a bankruptcy attorney who can evaluate the entire financial and divorce action and help you decide what your best option is going to be.
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