I do own the vehicle outright, no liens. It is worth approximately $12k and I have approximately $32k of debt . I have been using this vehicle as my primary source of income through Uber and Lyft for over two years. Will the fact that I use this vehicle for work have any bearing on whether or not... Read more »
In Oregon a debtor can use federal exemptions. You have a certain amount of vehicle exemption and then additional wildcard exemption. If you are not using a homestead exemption (because you rent your residence) then you likely have plenty to cover $12K of equity in a car. You can use the 4K...Read more »
I've never come across this question in my practice but I do see your point. Basically has the dischargable nature of the debt changes due to the assignment of a non-government agency. So I don't know the answer but it does raise some issues. First you would need to get all the...Read more »
we have filed a Chapter 13 as of last Tuesday the sale dates for my most important properties have come up come to find out I did not personally guarantee anything or personally sign anything it was all under the business entity which means a Chapter 13 does not cover it by bankruptcy I've... Read more »
You need to discuss this with your bankruptcy lawyer. That is the only person with enough knowledge of your personal situation and legal training to advise you. It may turn out that you still need the Chapter 13 for your personal liabilities but you need to revise your filings to accurately...Read more »
If you signed a reaffirmation agreement on the Dodge, the lender can still pursue a judgment post bankruptcy for which you would be liable. If you did not sign a traffic, you can simply turn it over to the lender and walk away. Check with your bankruptcy attorney as to what your signed and your...Read more »
need surgery. Aprox. June 2018 forced into bankruptcy loss of job. Aprox. September 2018 bankruptcy chapter 7 is discharged. In November 2018 I reinjured hernia and given 30 lb. weight limit. and reopened workers comp case from almost 4 years ago. If I take a lump sum settlement can the trustee... Read more »
I have been sick for over two years now and am unable to work. Am applying for disability. I have issues on my credit. I have just filed my 2013-2017 taxes after contacting the IRS and recovering the information needed. Was told to file all 1040ez. Have done as was told. They sent letters... Read more »
Legal aid will help you draft your bankruptcy petition, but will not actually represent you. This is not the kind of legal work that attorneys will do pro bono. If you have no income or assets then you're essentially judgment proof anyway, so bankruptcy is not urgent and you can wait until you...Read more »
I was incarcerated in sc for 9 months in 2004ish and I owed the bank $100,000.00. My home was almost built and was worth at the time $400,000.00 but when I got out it was gone. Was that legal or was it most likely sold for what I owed and someone just got a awesome deal or was there a way that the... Read more »
You need to have an attorney look into this ASAP. There are many obstacles that must be satisfied, plus additional ones if you were in jail, to foreclose in property. If you were not notified, you may have a claim.
My husband and I are divorcing as soon as our Ch 7 BK discharges and closes next month. He granted me the interest in our primary residence before the BK filing, but I did not record it. Will I run into issues with the trustee after the BK is closed regarding the date he signed over the property... Read more »
The creditor appeared out of no where after 8 years with out any collection effort. Added in compounded interest and is in the process of trying to foreclose on my property. He received a decision that said he could sale my portion.
Filing bankruptcy is a legally permitted act that was designed by Congress to help people in debt get out of debt and get a fresh start in life. The mere act of filing Bankruptcy should have nothing to do with your fitness to practice law. (Apparently you can file bankruptcy several times and get...Read more »
I am not sure what you mean. When you file bankruptcy you have to list all your debts and all your debts will be discharged. So if you only have medical debts, sure, you can file bankruptcy to get rid of just those debts. You don't have to have other debts.
Bankruptcy is not a good DIY project. The forms are very complicated and very few people are able to file their on case and obtain a discharge. Check in your area for a bankruptcy lawyer and shop around. Bankruptcy does not really cost that much and you can save yourself a lot of problems. Hope it...Read more »
I would contact a lawyer, preferably one that deals with bankruptcy and debt issues. I know you want to take care of this debt but before you do pay it, you might want to know if bankruptcy is a better option which it might be if you have a lot of other debts. I see people struggle to pay one debt...Read more »
Under the 2005 Bankruptcy Law it became necessary to notify child support creditor and the State Child Support Enforcement Office of a bankruptcy filing. If you owe child support this is mandatory even if you are current in your payments. Your lawyer is required to give the addresses of these...Read more »
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