I filed Chapter 7 in TN, and my case was discharged appropriately. My student loans weren't discharged, which I knew going into the bankruptcy. Two of the other debts listed were unsecured debts that I owed to two different colleges; these are not student loans, but amounts owed directly to... Read more »
If you have a confirmed plan, just do what the plan says about what part of your income needs to be paid to the Ch. 13 Trustee. If your plan is not yet confirmed, you should still be able to keep your stimulus payment.
BF (now ex) and I bought a house together in Texas. Deed is in both our names but he's the only one on the mortgage; property is homesteaded, neither of us owns any other real estate. Since he earned 10x what I did, he paid the mortgage - until a year and a half ago when he sort of went out... Read more »
My landlord told us before we signed the lease that we wouldn’t have to deal with strangers coming into our home for any reason but because she’s dealing with facing foreclosure on a different house that she hasn’t been able to get anyone to buy,she’s been trying to get someone to buy the... Read more »
Unless it is in your Lease there is no such prohibition. You may wish to find a leasehold elsewhere. A Buyer will take subject to your Lease, I would expect to not stay there much longer. A potential personal injury suit is not going to happen because it would be impossible to prove. causation.
There are multiple fees when filing bankruptcy. The first is the bankrutpcy court's filing fee. This fee is the same for everyone. Currenlty, a chapter 7 filing fee is $338. The remaining fees are subject to change based on your specific case and the attorney you choose. These fees...Read more »
2018 May court awarded plaintiff 4500 dollars, Defendant appealed May 2018, deposited 4500 circuit court for appeal, Defendant filed Bankruptcy July 2020, Discharged Aug 2020. Funds still on deposit and no date set for the appeal. Plaintiff not notified as debtor. Is award for plaintiff set aside... Read more »
Under the Uniform Commercial Code, adopted in most states, a secured creditor has the right to enter the premises and inspect its collateral, and in addition, to render it inoperable, where applicable. But a creditor may only do so without a "breach of the peace", e.g., they can't...Read more »
That seems very straightforward. I am going to assume that you have exhausted your nonbankruptcy remedies. There are some very good non-profit agencies like crown financial ministries, or consumer credit counseling service, that can help you negotiate and adjust debts with your creditors outside...Read more »
The garnishment will occur unless you seek bankruptcy counsel and file before the return date on the writ. Your lawyer that you hire for Bankruptcy knows how to halt this--otherwise, the garnishee fund, whether a bank or your employer, will have to respond.
It depends on how bad your credit is. You need to be at least above 640. More is better. Since you are dealing with things that are not easily removeable, I would use a lawfirm like Lexington Law, because they can handle things that need to be removed due to violations of the Fair Credit...Read more »
If you are indeed judgment proof, I believe that should be enough to dissuade debt collectors from harassing you, but if not, get a lawyer and allow them to take the steps necessary to stop the creditors from harrasing you.
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