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 
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'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
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?
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answered on Oct 7, 2022
Attorney Winterstein is right. Im assuming you received a discharge of this debt. Alert the lender in writing as to the whereabouts of the vehicle and do send the keys to the lender and document everything you do.
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
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
She needs to consult a competent bankruptcy attorney immediately. She may qualify for chapter 7 or she may need chapter 13. She does not qualify for chapter 11 as that is business reorganization only.
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.
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.
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
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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
My family member is mentally ill, and I am also his representative payee. I have provided financial assistance for lodging totaling approximately 10k in smaller amounts over the course of 2 years. The money I had provided went toward keeping him from homelessness. Does this still fall under the... View More
answered on Mar 2, 2021
Yes. You still need to disclose this under property held for others question. All of it should be disclosed as a matter of course although it should not have any negative effect on your bankruptcy.
trying to refi lien is still on home
answered on Sep 15, 2020
Talk to your bankruptcy attorney. You may be able to avoid all or part of the lien but much more info is needed to make a determination.
This CH 13 BK and adversary proceeding was handled by an attorney I hired (and who is now deceased). I ONLY started digging into the facts because the opposing attorney brought it up There are strong possibilities that not only was FOTC committed, but also, the judge's order was not complied... View More
currently I owe more than $3000 in cash and check, and I need to hire a qualified attorned to represent me.
answered on Apr 27, 2020
Check with the Bar Association in Boston for lawyer's referral for someone near you who can assist.
This place is not used to engage or instruct lawyers.
Good Luck
d
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