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in my favor. How do I get them released at the local courthouse where they were filed. No one seems to know including my attorney. My bankruptcy is almost over so I want to make sure everything done correctly.
![David Earl Phillips David Earl Phillips](http://justatic.com/profile-images/981019-1493052464-sl.jpg)
answered on May 15, 2018
In our area, we take a certified copy of the bankruptcy court order that avoids the liens and file that at the register of deeds office. I would think there would be something similar where you are. Call the register of deeds office and ask what they need to remove the liens. Be sure and discuss... View More
It was filed in Doyelstown Pa.
![Timothy Denison Timothy Denison](http://justatic.com/profile-images/1499047-1523828447-sl.jpg)
answered on Apr 20, 2018
From your lawyer or go to the courthouse where you filed the bankruptcy and the request a copy. If you know anyone who has a pacer.gov account, they can get if for you on line.
Im in the middle of a divorce, both names on the house and car. Ex got the car, and I got the house. He let the car get repossessed and I was not notified that it was until the day of by the ex. Now bank is trying to sue us both. Also I cant afford the house, its one whole paycheck of mine and Ive... View More
![Kathryn Hilbush Kathryn Hilbush](http://justatic.com/profile-images/1375505-1499703326-sl.jpg)
answered on Apr 12, 2018
If you have an attorney for your divorce, discuss this with her/him. When a bankruptcy action is filed, it places an automatic stay on all state court actions. That means that the PA court cannot proceed in your divorce action until either the bankruptcy has been completed or dismissed, or the... View More
My parents are 80. My mother has Alzheimer's. Obviously I don't want them to be homeless. There is no family money and their lending agency (Bank of America). Can they declare bankruptcy and keep their home?
![W. J. Winterstein Jr. W. J. Winterstein Jr.](http://justatic.com/profile-images/1410232-1447289145-sl.jpg)
answered on Apr 2, 2018
A chapter 13 bankruptcy proceeding is designed to enable debtors to keep their houses. There are debt maximum limits, however, and a Chapter 13 debtor must be receiving "periodic income" with which to fund a plan. Social security payments qualify as periodic income, if sufficient in... View More
![W. J. Winterstein Jr. W. J. Winterstein Jr.](http://justatic.com/profile-images/1410232-1447289145-sl.jpg)
answered on Mar 30, 2018
I had this issue recently with an engineer, for whom I had filed a Ch. 13, and while his case was pending, he was recruited by another company for more money than he was making in his current job. The new company seemed to love him, after interviews; but just before making him an offer, they asked... View More
![W. J. Winterstein Jr. W. J. Winterstein Jr.](http://justatic.com/profile-images/1410232-1447289145-sl.jpg)
answered on Mar 2, 2018
Yes, but within limits. If you file a Chapter 13 case, depending on the circumstances, the court could convert your case to a Ch. 7 case instead of dismissing it. But that's unusual. If you file a Ch. 7 case, you have an absolute right to convert to a Ch. 13, and if you want to dismiss your... View More
![W. J. Winterstein Jr. W. J. Winterstein Jr.](http://justatic.com/profile-images/1410232-1447289145-sl.jpg)
answered on Feb 26, 2018
You don't where you reside, or where your bank is. The answer will vary depending upon your location (i.e., which state). In PA, a garnishment by a creditor can only be issued to your bank if the creditor first takes a judgment against you. You would know that a lawsuit has begun, because... View More
I owe about $12000 in credit card debt. I've Been Making My Payments On time but with the high interest it's making it harder to keep up. I was considering using a debt settlement company such as national debt relief our freedom debt relief company but was concerned that during the... View More
![W. J. Winterstein Jr. W. J. Winterstein Jr.](http://justatic.com/profile-images/1410232-1447289145-sl.jpg)
answered on Feb 1, 2018
I've never heard of anyone who was happy with the outcome when using so-called "debt settlement" companies, but I have heard several horror stories.
If you are the sole owner of your home, then any creditor who sues you and procures a judgment against you can file that... View More
![W. J. Winterstein Jr. W. J. Winterstein Jr.](http://justatic.com/profile-images/1410232-1447289145-sl.jpg)
answered on Jan 31, 2018
There are different kinds of "trustees" in the bankruptcy world. First, there is the U.S. Trustee, one of which is appointed in each federal court district, and that trustee performs several of the "administrative" functions formerly done by the bankruptcy judges. Among those... View More
![W. J. Winterstein Jr. W. J. Winterstein Jr.](http://justatic.com/profile-images/1410232-1447289145-sl.jpg)
answered on Jan 12, 2018
To be eligible to file a Chapter 13 case, the debtor must have a "periodic income", but the amount is not specified. No maximum amount of income is imposed, but the amount of your income will determine the number of years your Ch. 13 Plan must run.
There are income limits for... View More
Business has declined over time due to technology to the point of not generating enough income. There is over $38.000
in business debt. Should we close the business and declare bankruptcy and are we responsible for any of the debt individually?
![Cristina M. Lipan Cristina M. Lipan](http://justatic.com/profile-images/1527145-1511979610-sl.jpg)
answered on Jan 11, 2018
Either or both of you may be personal guarantors on some of the debt, so you'll have to check the agreements with those creditors to confirm. Even if you're not personal guarantors, and although the corporation generally shields you from personal liability, there is a possibility that a... View More
Good morning,
I, as an individual, received a judgment against me, personally, and I do not have means to pay (but I haven't yet filed for bankruptcy). At the same time, I'm about to receive a small settlement for an action I originated, also as an individual.
Is there a... View More
![W. J. Winterstein Jr. W. J. Winterstein Jr.](http://justatic.com/profile-images/1410232-1447289145-sl.jpg)
answered on Dec 19, 2017
On the facts provided, you have no enforceable legal obligation to pay over "settlement proceeds" to any one or more of your creditors. A judgment creditor could issue/serve a writ of garnishment upon anyone holding money or property for you, and if that is done, the one who holds... View More
![Cristina M. Lipan Cristina M. Lipan](http://justatic.com/profile-images/1527145-1511979610-sl.jpg)
answered on Dec 6, 2017
One person can file separately, but the determination of whether you qualify for a chapter 7 case is dependent on household income.
Information provided for informational purposes only and should not be taken as legal advice.
Just was curious so I didn’t apply too soon or ruin the bankrupcy proceedings. My credit report says I have no available or balances due.
![Cristina M. Lipan Cristina M. Lipan](http://justatic.com/profile-images/1527145-1511979610-sl.jpg)
answered on Dec 4, 2017
You can apply any time, it won't have any effect on the bankruptcy case.
Information provided for informational purposes only, and should not be taken as legal advice.
My husband is probably going to file for bankruptcy in PA. How do the credit cards that are in both of our names work? I know that they can still require payment, but can they stay monthly payments or do they require me to pay one lump sum? He also has a four wheeler that is almost paid off, if we... View More
![Brad Jonathan Sadek Brad Jonathan Sadek](http://justatic.com/profile-images/1398755-1683487826-sl.jpeg)
answered on Nov 6, 2017
The credit card payments can be made on a monthly basis in accordance with the non-filing spouse's contractual responsibility. The four wheeler most likely is exempt, however, depending on the cost per month, it could be viewed as a luxury expense to the detriment of unsecured creditors. If... View More
![Brad Jonathan Sadek Brad Jonathan Sadek](http://justatic.com/profile-images/1398755-1683487826-sl.jpeg)
answered on Oct 23, 2017
For a Chapter 7 Bankruptcy in Pennsylvania legal fees generally range from $1,200 to $1,800 plus filing fees.
Is their income going to be included in my declaration of household income?
![Brad Jonathan Sadek Brad Jonathan Sadek](http://justatic.com/profile-images/1398755-1683487826-sl.jpeg)
answered on Oct 23, 2017
No, their income is separate. Although you do share a dwelling, you do not share in a financial household with your landlord(s). Your rent is an expenses that you should list on Schedule "J" of your Petition and also include the Lease on Schedule "G." Lastly, any security... View More
The first payment of my chapter 13 bankruptcy is due 30 days after filing the petition. What happens if I cannot make that payment? Will my case be dismissed even before the meeting of creditors? Is there a way to be excused from that payment?
![Stuart Nachbar Stuart Nachbar](http://justatic.com/profile-images/1497195-1478873606-sl.jpg)
answered on Oct 7, 2017
Have your attorney prepare a new minimal plan, but do not just miss a payment
I have filled chapter 7 twice, I am in a financial mess again don't know how to manage money.
Need help bad!!!!
![David Earl Phillips David Earl Phillips](http://justatic.com/profile-images/981019-1493052464-sl.jpg)
answered on Sep 21, 2017
You can only get a discharge in a chapter 7 case once every 8 years. You count filing date to filing date. If you qualify to file there is no limit on the number of times you can file other than the discharge restriction stated above. There is no limit on the amount you owe to file chapter 7. There... View More
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