When filling out bankruptcy form 106E/F do I list the original creditor or the collection agency that purchased the debt?
Both
Do I still have an obligation to pay or pay the balance due once sold
Hi there! There are a few things of importance with your question.
1. Do you want to keep the mobile home? If yes, then you do have to pay the debt.
2. Did you reaffirm the debt in your bankruptcy? If yes, then you are obligated to pay the debt despite your bankruptcy in 2010.... Read more »
Filed 10 years ago not realizing this was a secured debt and included it in chapter 7. No one ever contacted me for a reafirmation or to see what I wanted to do with it. My attorney never mentioned the lien. Is there anyway to get it removed? I thought the chapt 7 got rid of it.
You can reopen the chapter 7 and ask the court to avoid the lien on your house. It would be advisable to have a lawyer do this for you.
I feel like I'm being harassed.
No, but the operative questions is really whether you are actually being harassed.
I am considering asking for a dismissal since I am in a better situation but I want to see if my creditors will work with me before I make that decision.
You can contact them but they probably won’t talk to you out of fear of violating TL the stay.
I pay the rent and electric which is 650 and 258. I don't have the money for bills or to pay the stuff in collection. I live in Middlefield we have no car and I'm in a wheelchair. I only make 1397 on SS. I REALLY don't know what to do
Help
Contact your local bar association or legal aid society and they can refer you to some lawyers who can help you.
He has been being garnished for about 5 months now and we just got a letter in the mail saying the court has granted the plaintiffs (ford) the motion to release funds.
It means that Ford asked the court to release the money collected from your boyfriend's garnishment and that the request has been granted. Say goodbye to the money.
I am not a joint card holder. My name is no where on the account. They just helped me out when I was having money issues and I agreed to pay a monthly amount until the balance was paid off. Now, there is no balance and they keep taking my money even though they no longer owe the amount.
I'm sorry, your question it's a little vague so this might not be what you're asking. If you're a joint account holder on the card, your liability isn't discharged by your co-debtor's bankruptcy. This means that they can come after you if you stop paying.
yes. as long as you are not filing, no worries.
No. It will not affect them.
My wife and I entered Chapter 7 bankruptcy just 5 days ago. 3 days ago my bank removed #100 from my checking account, and when I contacted them, they verified it was them and they took it for "processing" the bankruptcy notice. This account has been positive and current for 15 years, with no risk... Read more »
The bank did not "levy" your account. The bank imposed a service charge that they (presumably) informed all their customers would happen if the customer caused the bank significant work processing the notice of bankruptcy papers they received. (BTW: Your bankruptcy lawyer should have told you... Read more »
I am still legally married. We have lived separately for well over 4 years. I would like to file bankruptcy. I've been told that in order to do so that we both would have to file. He doesn't want to. I need an idea of where to start. Should I start the divorce first or is there a way to do the... Read more »
In New Jersey, if you are living separate and apart, then it is possible to file without your spouse. The consideration of deciding whether to divorce first or file first, is a question better suited for an in depth discussion with a matrimonial counsel who is familiar with Bankruptcy in your area.
To qualify for a chapter 7, the primary test you must pass is the means test. There are other tests, such as the residency test, etc. The means test examines the size of your household and applies a certain annual gross income threshold figure to see if you qualify. The judge doesn't ask you... Read more »
I am a concerned daughter of a couple living in Athens County, Ohio. My father is ill with cancer (being treated through the Veteran Affairs system) and during my last visit (recent) my mom indicated they only have approximately 2 months worth of funds left to pay bills before potentially... Read more »
No way to tell, because every Chapter 13 is different than every other Chapter 13.
I am still paying insurance, water and sewer bills because the property is still in my name.
Depends on whether you are still living in the subject property.
Thinking about chapter 13
Actually you can. If the last payment on the student loan comes due after the date on which your Chapter 13 ends, then your Plan can treat it as a long term-debt and the case could complete in 22 months after the other unsecured debts are paid in full. However, you would ordinarily be required to... Read more »
Theoretically, no. But you should stay aware of the proceedings and protect yourself. Don’t rely on them to do it.
While you have may only listed 20k, it depends on how much in proofs of claim that were filed and approved. Check with counsel on your case
Contact your local bar association or your legal aid society.
The house is paid off free and clear. I was in a wreck after losing insurance cause husband has cancer. I need to file chapter 7. Will anything happen to my dads house will it stop me from filing. Also how long do you have to live in a house before filing.
It doesn't sound as if the house is your primary residence, so the homestead exemption does not apply. Therefore, if you filed for Chapter 7 bankruptcy, one half of the value of the home is subject to liquidation. On the other hand, if the residence is your primary residence, then the homestead... Read more »
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