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Richard Sabbatino Ravosa Jr.

Richard Ravosa’s Answers

252 total


  • My landlord is trying to get a judgement/im not sure whether or not to file bankrupsy/Should i do this immedialy or wait?

    i al.so have a title loan out and after i got the title loan that car was stolen from me and impounded eventually the loan company never went and got that car.not sure if they intend on dismissing that or what/My only income is social security/but...

    Richard’s Answer

    You should consult with an attorney, more information is needed to determine if filing now is feasible. Bankruptcy Attorneys can be found on this site or NACBA(National Association of Consumer Bankrutpcy Attorneys), most attorneys offer a free consultation. If you have moved out and not living there any more then you may wan file sooner, why have the landlord obtain a judgment or you have to go to court, if you file Bankruptcy, you receive the protection of the automatic stay and then you don't have to go to court.

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  • Pend adversarial proceeding with Bank for violating automatic stay and wrongfully foreclosing on property HOA now foreclosing

    have a pending adversarial proceeding with Bank for violating automatic stay and wrongfully foreclosing we believe that Bank owes some of the HOA fees not paid , HOA wants to foreclose on property for those fees, how can we stop them. Consider a...

    Richard’s Answer

    Agree with Stuart, for this type of matter AVVO is not the proper forum, you need to consult an attorney immediately, an adversarial proceeding is litigation, you do not want to lose any causes of actions or ability to add other parties to the matter. You need a seasoned Bankruptcy Attorney, you can find one at NACBA (National Association of Bankruptcy Attorneys) or here at AVVO.

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  • Can I just pay for the debt I owe after I received a summons?

    I have enough money to pay the debt in whole. Is it possible to just pay the whole debt off ? I would be willing to pay the collection company in whole if that is something I could do.

    Richard’s Answer

    Techinically you would owe the debt plus any costs, i.e. court fees, sheriff fees etc., however if you can pay a lump sum the creditor may take less. If you tell them you have all the money then they will expect it in full. Let them know any hardship you may have handle and they may settle.

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  • At 6 years of home ownership I had an emergency hospital trip, Freddie Mac was processing foreclosure before my return home...

    Filed a Modification, after months I pressed and was told my house was worth 55% more than owed, [but appraised @ < owed]: at auction Freddie Mac bought for less than owed, and then sold for $105K cheaper in 2 weeks… I have all paperwork: they nev...

    Richard’s Answer

    The facts are confusing, if you had an attorney for your Bankrutpcy you should consult with the Attorney about your rights or you should consult with a forelcosure attorney one can be found on Avvo. If the house is foreclosed and you are referring to the equity you lost Freddie Mac is not going to pay any money to you unless there is a surplus or there is a wrongful foreclosure and you file a case and settle it or win it a trial.

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  • After 2 - 21/2 years I have been contacted by Dana farber hospital saying they reviewed old records and I now owe them $550

    i have not been billed in 2 1/2 years and have been living in S Carolina for this time. I believed my bill had been paid in full. They said they had a newer system that did not show previous bills and I was told I was all paid up. Now the say I ow...

    Richard’s Answer

    If you had insurance at the time, I would call your insurance company. You can dispute the bill, but, if you do owe the bill, you can probably enter into a payment plan or settle it for much less than you owe. If the hospital refuses to settle, most likley it will go to a collection agency who will settle with you or time will go by and at some point it will beyond the statute of limitations unlesss you make payments which restarts the Statute of limitations

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  • Is there a deadline in which to file a motion to remove a stay in the bankruptcy 13 case?

    If the notice of the stay was sent out on 08-27-15 how many days do I have before I get a lawyer to file a motion for me to lift the stay or this be done at any time ?

    Richard’s Answer

    If you have not already done so, I would suggest obtaning an atorney as you do not want to take any action that would be seen as a violation of the stay. You need to discuss your reasons to file a motion to lift the stay. You want to make sure that you are not throwing your money away. There are many attorneys on AVVO who can help you out. Going along on this may cost you more moeny and aggravation.

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  • Old loan thats still outstanding.

    I have a loan with personal finance. Its an older loan, over 5 years. Its for a van. I received a statement saying i had 30 days to repute the loan or they would go to court and file a judgement against me. The vehicle has long been gone ,,,scrapp...

    Richard’s Answer

    If you owe a debt and the creditor takes you to court and you have no defenses (i.e: statute of limitations expired) and the creditor received a judgment, the next step is called supplementary procoess where a judge can order seizure/attachment/garnishment of any assets, car, bank accounts, wages and etc. Of course there are exemptions that may apply to you.

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  • Discharged debt?

    The past few weeks I've gotten three letters from a collection agency for AMEX. I have not had an AMEX account since 2009, which I listed on my chapter 7 petition that was filed and discharged in 2011. The account number matches my BK filing. I w...

    Richard’s Answer

    Any collection attempts on a debt that has been discharged is a violation of a discharge. After you sent them the copy of your discharge you probably will not hear from them. Obtain your credit report to see what they are reporting. Contact your attorney again and see if he thinks it would be a good case to pursue.

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  • Can file a claim of rite to possession on a Unlawful retainer post foreclosure case on behalf of my husband to local sheriff?

    A lock out is imminent and my husband is at work. I went to a legal aid center because my claim of write to possession was lost in court purely by lack of representation. Its is not a typical UD case, but one that falls under the new law of Califo...

    Richard’s Answer

    As the other attorneys have pointed out you need an experienced attorney. You can find one here on AVVO.

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