Get free answers to your Bankruptcy legal questions from lawyers in your area.
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answered on Jun 26, 2024
Filing bankruptcy for your corporation typically does not directly affect your personal credit, but there are some important considerations:
1. Corporate vs. personal bankruptcy: If you file bankruptcy for your corporation, it's generally separate from your personal finances. The... View More 
I had to take the on the phone course for chap7. If I want to deal with my creditors myself can I get my fee of$ 1,500 back?
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answered on May 5, 2024
I'm sorry to hear about the sudden change in your bankruptcy filing. This must be a stressful and frustrating situation. A few key points to consider:
1. Discuss the change with your lawyer: Ask your attorney to explain in detail why they now believe you need to file for Chapter 13... View More
I had to take the on the phone course for chap7. If I want to deal with my creditors myself can I get my fee of$ 1,500 back?
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answered on May 5, 2024
Deciding which chapter you're eligible for and should file is a fundamental but key decision. I'm assuming the $1,500 fee you referenced is for your attorney and not the "phone course for chap7." The terms of engagement, such as the hourly fee amount and the billing... View More
Do I select state and federal non bankruptcy exemptions or federal exemptions only to be able to keep my home that has only like 80k equity
answered on Sep 20, 2024
Contact a local bankruptcy attorney to te ire and discuss your exemption options.
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answered on Aug 27, 2024
When deciding whether to claim state and federal non-bankruptcy exemptions or just federal exemptions, it’s important to compare the benefits each option offers. Massachusetts allows you to choose between the federal exemption system and the state exemption system, which can be different in terms... View More
because my income is low i have been living off my credit cards,i have no way to pay them off as they got out of control,i mainly bought food and would pay bills.i dont want to leave my love one stuck with the bills as he has no idea how i have been suffering.do you think you can help me?
answered on Sep 2, 2023
Check with your local bar association. They maintain lists of pro Bono and reduced fee attorneys who can help you.
it will be the third time in my life to do this.i am sick to my stomach over this but i have no other choice.i bought food paid bills and i can barely keep my head above water......please help
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answered on Sep 4, 2023
It might seem odd to say but you might just be "judgment proof". In other words, you might not have any non-exempt assets or income for an unsecured creditor to pursue. If that's the case and if you can stomach it, you can essentially ignore the calls and letters. However,... View More
I filed Chapter 13, then converted to Chapter 7 some years ago. Which date would be used to determine whether I could file Chapter 7; the original filing of Chapter 13, or the conversion to Chapter 7? I have asked a bankruptcy attorney, and they felt that it would be the date of the original... View More
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answered on Jun 19, 2023
11 USC 348 (a). The bankruptcy lawyer with whom you consulted previously is correct.
answered on Feb 6, 2023
This is a difficult question to answer without asking you more detailed questions. For example, generally speaking, if you spend $500.00 or less on necessities I would say it is not a problem. If you spent a large amount of money and the trustee feels for some reason that the money was not exempt... View More
I have been unemployed for over a year, and awaiting disability to be approved, and I need to file bankruptcy for credit cards I cannot pay. Are there any free lawyers I could qualify for?
answered on Oct 26, 2022
Try Greater Boston Legal Services. https://www.gbls.org/get-legal-help
I'm moving and car is in a off street parking spot.I can't take car with me due to a blown motor,and being unregistered.What do I do?
answered on Oct 7, 2022
The Bankruptcy Code provides that with any secured claim, the debtor can return the collateral to the lender in full satisfaction of the lender's secured claim. Expect some argument over the current value of the car, as that will be the value of the lender's secured claim (there is some... View More
On paper, she is not low-income ($42,000/year) but owes $7K for electric and many other debts. If she foreclosures is she still responsible for the mortgage? (She cannot pay that and rent also.) Would Chapter 11 be a better option for her? Can she rent an apartment after Chapter 11 or will... View More
answered on Jul 13, 2022
A Chapter 7 bankruptcy sounds like it may be in her best interest at this time however I can not say this absolutely without a full interview. You can call me or another experienced bankruptcy attorney and they should be able to give you a good solid answer and plan to move forward. A chapter 7... View More
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answered on Mar 26, 2022
Yes. No matter what the name of the loan or lender is, if it is an unsecured loan and not a kind specified as non-dischargeable (under 11 USC 523), it can be discharged. If a lender "forgives" the loan it could raise tax issues (phantom income).
Can they still come after me
answered on Oct 5, 2021
The main things are that the Creditor was listed and you received your Discharge. Assuming they were listed, the Creditor was on Notice of your Bankrutptcy and was sent Notice of the Hearing and Right to Object or File a Complaint to Determine Dischargeability. The Creditor was also sent a Notice... View More
answered on Oct 1, 2021
Utility bills/accounts are handled differently from other debts in bankruptcy. A special section of the Bankruptcy Code, Section 366, applies to utilities.
Many debtors just continue to pay the amounts billed following a bankruptcy filing, so there's never an issue.
The... View More
i am now disabled and cannot work. my income now after bankruptcy is 848. a month.
answered on Sep 9, 2021
If you file for chapter 7 bankruptcy you will not be liable for the mortgage payment. However, if the mortgage is not paid the mortgage company will foreclose on the property. If you are asking if you can live in the property and not pay the mortgage the answer is no. If you do not live in the... View More
$922/mo, $277/rent, $190/utilities. Extenuating circumstances.
answered on Sep 7, 2021
The attorney's fees can vary greatly depending on where you live, the type of debts that you have, the amount and types of assets and real estate that you own. Based on what you described, the attorney's fees would probably be about $1,200.00 and the court filing fee is $338.00. There... View More
The debt isn't on either credit report anymore but it is still showing on the title search that quicken has pulled.
Do you have ant idea how we would fix this in order to complete a refinance
We never filed bankruptcy but probably should have
Thanks
Worcester Massachusetts
answered on Jul 30, 2021
It sounds like this is a second mortgage and is recorded at the registry of deeds. This debt would be secured by your property if that is the case. The only way to be able to refinance is to either pay the debt in full or to try to negotiate a lump sum settlement amount and have the lender remove... View More
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