Get free answers to your Bankruptcy legal questions from lawyers in your area.
make arrangements to pay?
answered on Oct 26, 2024
If you obtained a PPP loan and the government is looking to be paid back, then one of two things happened: (a) you did not apply for PPP Loan Forgiveness or (b) the government thinks that the loan was wrongfully obtained. It could also be that this is an EIDL Loan, as opposed to one that was... View More 
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answered on Jun 30, 2024
Based on the situation you've described, here are some key points to consider:
1. Timing: With your court date on July 19th and your desire to file bankruptcy, you should act quickly.
2. Automatic stay: Filing for bankruptcy typically triggers an automatic stay, which can halt... View More
Can I report them myself with a bank statement
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answered on Jun 5, 2024
Yes, you can report your mortgage payments yourself using your bank statements as proof of payment, even if you did not reaffirm your mortgage during your Chapter 7 bankruptcy. Here's what you can do:
1. Obtain your bank statements showing the mortgage payments you have made since your... View More
appears to the trustee that I have failed to comply. I would like to fire my attorney, but I have already paid quite a bit to the trustee. I don't know what to do.
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answered on May 21, 2024
I understand that you're in a difficult situation with your Chapter 13 bankruptcy case. Here are some steps you can consider:
1. Communicate with your attorney: Before taking any drastic measures, try to discuss your concerns with your attorney. Explain the issues you're facing... View More
answered on Mar 30, 2024
When you have completed the bankruptcy process in your case, an Order of General Discharge (discharging you of all "dischargeable debts", etc.) is entered by the Court, not a "letter".
Your bankruptcy case, and most of the documents, including your Discharge Order, are... View More
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answered on Apr 4, 2024
Here are the steps to retrieve your Chapter 7 bankruptcy discharge letter:
1. Contact the bankruptcy court where your case was filed. Look up the court's website or call the clerk's office for instructions. You'll need to provide your full name, case number, and last 4 digits... View More
I want to know if I can file for Chapter 7 bankruptcy and keep my car and house, which are both current on payments. I owe $98,000 on my house, $65,000 on my car, and have a HELOC loan of $24,000. My house is worth approximately $150,000. I also have unsecured debt of about $37,000. I used to work,... View More
answered on May 27, 2025
You should be able to keep house and car given the facts you present. However, you should consults a bankruptcy attorney who can analyze your entire financial situation before you do anything.
I recently discovered a document within my personal documents that were scanned by my bankruptcy attorney's office. The document contains another individual's personal information, including their birthdate and social security number. I haven't contacted the attorney's office... View More
answered on Apr 5, 2025
Return it to the attorneys office with your explanation as to how your received it and mention your concern about your privacy as well. Beyond that, you need do nothing else.
I am currently undergoing a Chapter 13 bankruptcy. I recently received a child tax credit and am concerned about whether this will be considered an asset in my bankruptcy case. How might this affect my bankruptcy plan or payments?
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answered on Feb 17, 2025
The treatment of child tax credits in Chapter 13 bankruptcy can vary based on your specific situation and timing. Your bankruptcy trustee will need to know about this income, as it could affect your disposable income calculations.
In Indiana, whether your child tax credit is considered part... View More
Initial Bankruptcy Filing: I filed for bankruptcy because of garnishment, but I have been paying as much as I can toward the plan. About a month after filing, I was hit by a car in a severe motorcycle accident, leading to hospitalization and multiple injuries.During treatment for my injuries, I was... View More
answered on Nov 11, 2024
Have your lawyer recalculate your plan given your current situation. You may be able to reduce your plan payment and percentage. If repayment after a thorough analysis of your finances.
answered on Oct 17, 2024
Yes. Eight years is the look back period so you should be fine.
answered on Sep 23, 2024
Any decision about a bankruptcy filing must be made from your full financial circumstances, and past, and probable future.
But about your car- warranties, whether you proceed with some form of bankruptcy relief or not.
Confer with an experienced lawyer in your jurisdiction before proceeding.
I feel it's time to file bankrupt but don't make enough money to get a lawyer and definitely do not make enough for so many garnishments to be coming out of my check. I make about $200/wk and that is all I have for income, I have children who's father does not pay child support or... View More
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answered on Jul 18, 2024
It's tough to deal with multiple wage garnishments, especially when you already have one in place and a limited income. First, consider contacting the creditors to explain your financial situation and request a reduction or temporary suspension of the garnishments. Sometimes, creditors are... View More
I have more than one debt that is getting ready to be garnished out of my pay (I bring home about $200/wk and am a single mom of 3 with no child support). I owe in total over $20,000 to different creditors and there is no way I will be able to pay this and be able to take care of my children's... View More
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answered on Jul 18, 2024
Filing for bankruptcy with no money can be challenging, but there are options available to you. First, consider contacting a local legal aid organization. They often provide free or low-cost assistance for those who cannot afford to pay for legal services.
You may also want to look into... View More
answered on Dec 18, 2023
Varies greatly from jurisdiction to jurisdiction but you have to have debt that you cannot pay and do not have sufficient assets and/or income to pay. Chapter 7 can cost anywhere roughly from $500 to about $3,500, depending on complexity of issues snd creditors.
DATA won a lawsuit against and individual for breach of contract. DATA won over $300,000 to be paid by individual. He never paid and within a year filed for bankruptcy. Today received a letter from United States Bankruptcy Court Southern District of Indiana an Order denying Motion to Avoid Lien... View More
answered on Jul 19, 2023
DATA has apparently liened up some of the debtors property. The debtor sought to strip the creditors lien off his property but the court denied the motion to do so.
None of the credit cards are in my name but I am an authorized user. I was unemployed for the duration of our marriage.
answered on Jul 13, 2023
No. Your credit will not be affected if you are only an authorized user. Unless the account is in your name, you should be unaffected by his filing.
answered on May 5, 2023
Technically, yes, but it really depends on how much the gift was and whether you are in a 100% repayment plan or not.
answered on Apr 15, 2023
No, certainly not "normal", if in fact a case was filed by your lawyers.
You can use Pacer, an online court information site, to determine whether a case has actually been filed.
Or, you can visit your bankruptcy lawyers office and demand to see a court-stamped... View More
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