Filed chapter 7 in November of 2021, received discharge in February of 2022. All accounts were included in my discharge but one specific account basically refuses to close my debt.
answered on Jul 25, 2022
If the creditor attempts to collect on a discharged debt, the debtor reopen the case and can file a show cause proceeding against the creditor for violating the discharge injunction and may recover actual damages, attorney's fees and costs, and with willful and intentional violations causing... Read more »
Debts. He paid him 100,000 not to lose his house. The lawyer ( trusty) and his wife came in to short sell my brothers and his families house. He thought the case was closed. He is now suing him for the third time and his LLC which is my mothers land and property. This is occurring in the Eastern... Read more »
answered on Jun 17, 2022
I agree with what the other lawyers stated. It would make sense for you to:
1. Ask your lawyer for a written explanation of what is going on;
2. Take that letter to another lawyer for an opinion;
3. If you feel like your lawyer is defrauding you, ask for an explanation and... Read more »
Get 0.00$ but you have still been paying that every month where does that money go it was calculated up when you first start
answered on Mar 22, 2022
First, your creditors receive payments in a Chapter 13 case as distributed by the Chapter 13 Trustee in your case. Second, the creditors who have been listed on the bankruptcy schedules are not always the ones who get paid in a Chapter 13 case. The creditors must file a proof of claim to be... Read more »
1 divorce way way back 24 yrs ago..a 13 medical cause.not 5.how do I fix.im alone 64 senior has destroyed my credit.NOT RIGHT INFO.WHAT DO I DO
answered on Oct 6, 2021
Typically, after a bankruptcy case you need to take affirmative action to build your credit. There are many ways to rebuild your credit such as a secured credit card, taking a higher interest car loan, or having a co-signer with you on a loan.
Good luck to you.
I want to add my name on the deed now. Will my old collectors be able to put a lien on my house now? How do I know for sure that all the debts were wiped completely off with the bankruptcy?
answered on Apr 7, 2021
If you listed all your "old collectors"/creditors names and addresses on your prior bankruptcy schedules filed with the court, and the bankruptcy court has entered its Order of general discharge, then you're good/safe, and if any of your old discharged unsecured creditors attempt in... Read more »
answered on Apr 1, 2021
The answer should be yes, but unfortunately, there is a chance that an attorney that passed the bar isn't well versed in client confidentiality.
J
answered on Dec 21, 2020
You definitely need to talk to a bankruptcy lawyer, now. A good lawyer will want a complete picture of your situation before suggesting the best plan.
the proceeds? I am a 100% PT disabled veteran with a wife and kids.
answered on Dec 3, 2020
If your Ch. 13 plan has been confirmed, and I assume it has after 2 years, what you do with the assets you retained under your plan should not require an adjustment of the confirmed plan payments.
In my district, in eastern PA, the Ch. 13 trustee is proactive, and if a sale of the house is... Read more »
answered on Oct 16, 2020
You don’t have to list it at all, but I’d put it under Statement of Finsncial Affairs.
I took an online loan from Advance Financial 24/7 10/2019 for $1250. From October to March 2020 I paid them about $325 a month. In March I enrolled with Encompass Recovery Group, a debt settlement group for payday loans. They settled (late August, early September) with Advance Financial for... Read more »
answered on Oct 2, 2020
Yes. They can sue you for anything short of your full agreement.
How can I get his name off the discharged mortgage? I have the quitclaim deed and divorce paperwork showing it is mine. Im sick of him being able to access mortgage info as well as things being mailed to him from the bank. The property is in VA.
answered on Sep 8, 2020
You can only accomplish this by refinancing the mortgage. Now is a good time because the rates are so low.
The bank has no obligation to release the lien of the mortgage unless it was stripped in bankruptcy.
Good Luck: go see a lawyer.
d
exemption or am i stuck pre 2020 exemption of $5,000?
I want to file objection to discharge based upon willful/malicious damage of property. How difficult is it to meet the standard. If have pictures,and property mgr that would be willing to testify.
answered on Aug 1, 2020
You should hire a bankruptcy lawyer to handle it for you. You may be able to win but you need legal assistance.
Can I keep the car and keep making payments on it during chapter 7
answered on Jul 15, 2020
Almost always, yes.
If the car was say a 2018 Bentley and you only owed two more payments--with something like that the bankruptcy trustee would sell your car. But if you owe about what it's worth, the trustee isn't interested.
Now if your car is financed by Ford... Read more »
The bankruptcy is for credit cards and medical bills only
answered on Jun 23, 2020
The answer is yes. Of course whether or not you are in a community property state or not also effects how much a trustee can do. Basically the trustee owns the excess equity in any Chapter 7 case. Filing the case gives that equity to the trustee at the moment of filing and it cannot be undone... Read more »
I live in VA and have a Chase credit card and a Chase vehicle loan. If I default on my credit card, but remain up to date with my vehicle loan, can they repo the vehicle?
answered on Jun 22, 2020
Depends on whether there is a wraparound security interest in the car tied to the credit card.
My home is paid for and worth about $65,000. I need to file chapter 7 bankruptcy on about $60,000 worth of credit card, doctor bill and vehicle debt. My only income is $1,388/month child support. Will I lose my home? I can't afford to move out and rent.
answered on Feb 22, 2020
You may have to file a chapter 13 t protect your home completely. Consult a local bankruptcy attorney who can evaluate your situation and help you retain your home.
I have a total 40K debt. I have 10K car loan left which I have never missed a payment. But I am no longer able to pay my credit cards after losing my job which is 30K and they are all charged off. I am about to finish a course and try to land on software engineering job. But I do have concerns.... Read more »
answered on Feb 13, 2020
Consult a bankruptcy petitioner near you to discuss your options. Depending on the amount of equity you have in the property, you may need a Chapter 7 or 13.
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