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I owe 8000 but interest has made it about16000 along with credit cards and medical bills I don’t know if I am able to file for all that or not
answered on Jan 27, 2019
Likely not dischargeable but you can discharge the credit card debt.
answered on Nov 9, 2018
Depending on the equity in the property, you can protect it or walk away from it without obligation.
answered on Sep 7, 2018
Not unless the child is incompetent and you have guardianship or power of attorney.
answered on Jul 5, 2018
Not necessarily. They could be reorganizing and keeping the bulk of the employees.
answered on May 4, 2018
Sure. Send them a letter putting them on notice of when and where to get the truck. If they haven’t responded in a year and a half, they’re not going to. Give them 30 days and keep a copy of your letter as proof. After they don’t respond, do with it as you will.
Its been a year and a half.
answered on May 3, 2018
2 options. 1). Take it to their office, Park it in the parking lot and drop the keys in the night box. 2). Continue driving it until they repo it, it dies, is wrecked, etc. The debt has been discharged so the only recourse they have is to repossess it.
answered on Apr 6, 2018
For the duration of the case, unless the creditor brings a motion for relief from the automatic stay. Such a motion must be brought upon notice, providing the debtor with the opportunity to respond.
Isn't your disposable monthly income calculated using your gross income which essentially includes the "yearly tax refund" amount? If we are using our disposable income to fund the plan at 100% payback, how is it legal for the trustee to take more to get it faster? Legally don't... View More 
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answered on Jan 26, 2018
Greetings!
Chapter 13 plans are funded by "disposable income" of the chapter 13 bankruptcy estate, which is based on "household income". Included in most NH chapter 13 plans is a provision that requires chapter 13 debtors to pay over to the trustee all income tax... View More
I have a payment hearing coming up.I return to work in a week. Won't have the rest of the money for a couple weeks after that for attorney to file.
answered on Jan 8, 2018
A bankruptcy filing acts as an automatic stay against all collection activity. The creditors may not directly contact the debtor once the petition is filed. No letters, no telephone calls, nothing. Of course, the creditors may contact the debtor's attorney. This rarely happened in the... View More
answered on Jan 2, 2018
The Rules of Bankruptcy do not allow discrimination by a student loan provider based upon someone having filed a bankruptcy case in the past. See 11 U.S.C. Section 525 of the Bankruptcy Code. Talk with a Bankruptcy Attorney near you and they can usually review your situation and advise as to... View More
answered on Oct 23, 2017
Motion to vacate stay, reaffirmations, certifications of default, additional confirmation hearings, adversary complaint, fighting proofs of claim to name a few
.
answered on Oct 20, 2017
Attorneys fees in Chapter 13 are subject to local court rules. Attorneys may charge anything in accordance with the contract with the debtor/client but if the fee exceeds the "no look" amount of a maximum of $4,500, then the attorney must file an application with the court to have the fee... View More
answered on Oct 4, 2017
Not to my knowledge. Unless you owe your boss money, there is no particular reason for him/her/it to know about your filing of a petition.
answered on Aug 2, 2017
IF your student loans are federal student loans, then they are not discharged. They will go into a deferment status for while in Bankruptcy. I warn you, if you do this, continue to make your student loan payments, even if deferment occurs, because if you do not, late fees, and interest continue... View More
answered on Jun 5, 2017
If you file a Chapter 7 that will slow the process of repossession down because there is an automatic stay imposed which prevents creditors from collecting and in your case repossessing the vehicle temporarily. However, the lender will likely file a Motion to Lift the Automatic Stay and unless... View More
I'm a disabled widow and live in Raymond, NH. Back in 1993 i received foodstamps and medicaid for my 4 minor children in Fla., 2yrs ago they took 200.00 out of my check. I set up a pymt. plan immediately for 10.00 monthly. I missed a couple pymts. lately and they took another 200.00 out this... View More
answered on May 2, 2017
I believe it is likely that this debt can be discharged by filing a bankruptcy petition unless the creditor can show fraud or misrepresentation under Section 523 of the Bankruptcy Code. Certain government benefits over payment, such as workers compensation or unemployment benefits, can be... View More
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answered on Mar 31, 2017
Greetings!
The short answer is no, with reservations. If the business is in fact a separate legal entity, filing for bankruptcy protection on behalf of that entity will affect you IF you have signed personal guarantees; if you are employed by or your living is sustained by the business.... View More
I am wondering if I should just sit on the debt or file for bankruptcy? I only own a 12 year old car that's worth not even $2000. There's no property that I own. I make an average of $160 a week working part time and I get a social security check which is a little over $800 a month. I am... View More
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answered on Mar 23, 2017
Greetings!
Under your circumstances, filing for a bankruptcy discharge is a matter of your tolerance to the behavior of collectors. I expect debt collectors are calling you. Since you have no means to pay those debts, you should put in writing to each agency that you refuse to pay the... View More
i am in process of signing the final stip agreement this week someone told me i wouldnt get anything if they file bankrupt in the future is that true,?
answered on May 23, 2015
Your question is not clear, but I think you are saying that a husband and wife have a 1st mortgage on their home and you hold the 2nd mortgage on that home. Now that same couple has filed for divorce, and you are worrying about collecting if they file for divorce. The other possibility in your... View More
answered on Feb 5, 2014
A: No, you will not be able to keep. Any remaining proceeds existing at the time of the Bky filing that are beyond the available exemptions will become subject to the case. A word of warning, do not put the funds in someone elses name or spend it haphazardly, as the Trustee will pursue it.
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