I've called and left messages to one of the legal aid but no one has gotten back to me yet. Meanwhile looking else where or online to check other pro bono legal help, some law firms show to file bankruptcy only $500. I know that's a scam. If you know of any please by all means email me!... View More 
answered on Mar 21, 2019
Legal aid will help you prepare the documents, but probably will not be able to adequately advise you the same way an attorney would and does not actually represent you. You might end up being ok filing yourself, but so many things can go wrong that you wouldn't know about in advance. I highly... View More
As I said before I received a summons on Tuesday and have till June for court, can pro bono stop the other creditors or contact them that I'm filing bankruptcy because I have no funds to pay them. What really saying can they stop them right away or its gonna take months before they contact the... View More
answered on Mar 21, 2019
The creditors harassment will stop immediately upon filing the petition, regardless of who filed it for you.
I am filing Chapter 7 Bankruptcy in the state of Maryland, trying to protect primary vehicle that has lien from Navy Credit Union and need to know what schedule do I list the car and where do I add the Wild Card
Personal property under federal bankruptcy exemptions
$5000 (applies... View More
Trying to protect vehicle that is Primary used for work from Chapter 7 Liquidation by Bankruptcy Trustee in the State of Maryland. On what form do I add the Maryland Wildcard exemptions MD Code Ann. C & JP § 11-504(f), & MD Code Ann. C & JP § 11-504(b)(5), is it the Schedule C? Please advise...
I have a chapter 13 that I finished paying in April 2018 and one of the creditors has been unreachable and they cannot send the payment to them so the Trustee will not close the case or discharge it until this happens, but in the meantime I am in need of buying a new car and nobody will give me... View More
answered on Feb 8, 2019
The Chapter 13 Trustee could escrow the funds with the Court, and allow your Discharge. I would look into that option
That would be in about 8 months.
(Need time to get settled & all).
So:
What action could my unsecured
Credit cards companies & medical bills take against me in that 8 months, if I stop paying now. (No payment starting February)?
Can they go after my... View More
answered on Feb 2, 2019
They can sue you, but they cannot sue or get a judgment against anyone other than you if the debt is just yours. They cannot use a judgment against you to attach assets belonging to someone else. Most creditors do not file suit that fast after stopping payment. The debts get transferred to debt... View More
a mechanics lein on my car?
You have been extremely helpful giving me vital advice for this complicated (for me) matter. Many, many thanks. I think this is the last question.
answered on Feb 2, 2019
If you charged them to your account, the answer is no. Usually, they will just keep the car until the repairs are paid, so if you have the car, it’s just an unsecured debt.
I have a car worth about $500.00 and used second hand furniture with very minimal value. I have little else. Can my creditors garnish my Social Security (I get $1,470.00 per
month - net).? Can they possibly attach what little personal property I have?
answered on Feb 1, 2019
You have certain exemptions under state law which can protect your property. They CANNOT garnish your social security.
• How do I prove residency to show
the 180 days?
•. If they sue me during the non-
Payment period, what legal action
can they take against me?
answered on Feb 1, 2019
Apply for a Florida license as soon as you get there. Issue date is proof. Same with utilities. Establish as soon as you get there. You have to certify on your petition under penalty of perjury that it’s true. If and when they get a judgment, they can garnish your wages and attach your real... View More
That would be in about 8 months.
(Need time to get settled & all).
So:
What action could my unsecured
Credit cards companies & medical bills take against me in that 8 months, if I stop paying now. (No payment starting February)?
Can they go after my... View More
answered on Feb 1, 2019
They can sue you for nonpayment of the debt, although usually that takes more time than 8 months. Once you move to FL, you’ll have to wait 180 days before you can file there so you might want to consult s bankruptcy attorney in MD and see about filing now.
2017. One of the creditors keeps returning the check to the trustee so the final report has been pending since March 2018. How long can this keep going? I can’t get a discharge without the final report.
answered on Jan 19, 2019
Have your lawyer make a motion for the final report to be rendered.
My minor son in 2013 informed me he has been awarded a scholarship be a college in New York and since he is a minor he need his adult parents to sign the form. I reluctantly signed because their are great colleges here in Maryland. I never heard from him since then.
Last year a student... View More
answered on Dec 6, 2018
Do you have a copy of what form you signed? The servicing company will provide a copy if you ask. Once you get it and read it, is it a Plus loan guaranty form? Is it your signature on it? Can you read and write the English language? Did you read the form before you signed it? Did you have the... View More
answered on Nov 30, 2018
Presuming you qualify for a Chapter 13 and can make the plan payments, yes.
answered on Nov 16, 2018
If you include them in the bankruptcy, and it is a Chapter 7 yes. If you file a Chapter 13, you must complete the Plan, and anything they do not get, is wiped out
Do i have any other options? I heard I could do a debt in lieu of foreclosure by handing in my keys. HOW long do I have to do this before I have to move out. These loans were bought during the write off days of the mortgage bust and now I am at risk of losing my house because the new companies... View More
answered on Nov 14, 2018
A deed in lieu of foreclosure simply means you hand over the keys and deed and move out, but you must first get in writing that the mortgage company releases you from personal liability on the remaining balance of the mortgage. You'll have to cut that deal with the first mortgage holder, and... View More
answered on Oct 31, 2018
Yes, but it really depends on your overall financial situation rather than just one debt.
I filed bankruptcy in 2016 and it was discharged in May 2017. I was injured medically in August 2017 and filed suit. So I never even was injured until 3 months after my bankruptcy discharged. Now the paralegal is telling me they may put a hold on my settlement due to the bankruptcy. My thing is... View More
answered on Oct 19, 2018
If it is a post discharge injury, they have no right to withhold your settlement. Highly unlikely that it will be withheld.
Is filing for bankruptcy my best option?
answered on Oct 12, 2018
Probably but you need to consular a local attorney who can review your entire financial situation.
answered on Sep 25, 2018
It should not affect them at all as they are exempt under the Federal Exemptions
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