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Richard Sabbatino Ravosa

Richard Ravosa’s Answers

220 total


  • Can banks or creditors take my ss benfits if unable to pay my debt.

    A family member is unable to pay her car and is planning to voluntary surrender it, concerned if they would take her ss benefits.

    Richard’s Answer

    The lender will most likely sell the car at auction, depending on the value and costs there may be a deficiency balance, if there is a deficiency balance then the family member can look to options in terms of dealing with the deficiency balance. Even if the lender files a lawsuit and obtains a judgment certain income may be exempted up to a certain amount, please contact an attorney in your state to make that determination.

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  • I was the bookkeeper for a company that did not pay payroll taxes. Am I liable?

    I did not sign checks, but did process payroll

    Richard’s Answer

    The business/owner is where the taxing authority will look to collect.

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  • This anexeity of my credit card debt

    this anexity of my credit card debt, one of the debts I owe called me and they got pushy and I said I have no way to pay now, well I have many other debts and bills. I Dont know what to do of my debt, its from ge capitol bank at 3400 dollars and...

    Richard’s Answer

    Agree with Matthew if you can not pay Bankruptcy is your best option. Most Attorneys offer a free consultation, you can consult one on AVVO or NACBA (National Association of Bankruptcy Attorneys). One the Bankruptcy there is protection called the automatic stay which will stop all the calls.

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  • Chapter 13 plan complete and being discharged. Bank has released 2nd mortgage from lien,

    We are in the beginning stages of our Chapter 13 being discharged. Final Cure confirmed with 1st mortgage, trustee working on final audit of accounts. Received letter confirming we have completed Chapter 13 successfully. Also received a letter ...

    Richard’s Answer

    For 2015 tax year, if you don't have a tax accountant, you may be well served to obtain one. You may receive a 1099 from the lender and will need to use Form 982 a.k.a. Reduction of Tax Attributes Due to Discharge of Indebtedness.

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  • Can a bank that I owe 3,000 dollars to after closing my checking account in 2010 place a lien on my car

    collection agency for US BANK told me they can take my car payment each month for payment of debt owed from 2010 by putting a lien on my car...although the car is not financed through them

    Richard’s Answer

    First of all look to the last date that you made a payment on this debt to see if it is beyond the statute of limitations. Collections agencies are known for making false threats. If the credit agency is within the statute of limitations yes they can sue you and that is the avenue that most creditors would have to take to put a lien on your car.

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  • I received a Motion to Dismiss from Trustee in my ch 13 case because I failed to provide copies of my 2014 income tax return.

    My ch 13 confirmed case, what should I do; file an objection or just turn in the taxes before the 21 days go by?

    Richard’s Answer

    Send copies of the tax return immediately, contact the Chapter 13 Trustee's Office to see if they will withdraw prior to the deadline if they agree make sure that it is file prior to the objection date, watch the PACER docket. Otherwise file an objection that you have provided the documentation after you have provided the tax return.

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  • Housing is trying collect money from me ( Jennifer Siske) after 10 years

    Beatrice housing . are trying to say I owe them 785. I don't know why they are coming after me for the money after ten years I lived in Colorado for 10 years

    Richard’s Answer

    It may be that the creditor is beyond the statute of limitations and thus beyond the time they can sue.
    Be careful how you handle this because you could revive or waive the Statue of limitations. If they threaten you look to the fair debt collection act for protection.

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  • If not an LLC in good standing, is foreclosure sale valid?

    My house was recently sold in a foreclosure. In a subsequent Unlawful Detainer action, the buyer stated that it was a California LLC and at all times pertinent to the purchase and UD action, it was a CA LLC is good standing. This is not so as per ...

    Richard’s Answer

    There may be grounds to set aside the foreclosure sale, however, you want to seek a litigation attorney to determine what court to file suit. Bankruptcy is not the only route to take.

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  • I filed bankruptcy 2 years ago and now I am getting sued for another company's attorney for fees? Can they do this?

    I filed bankruptcy almost 2 years ago, and my case is suppose to be closed in June of this year. I get a notice today that the attorney from one of my creditors is suing me for their attorney's fees!! How can they do this? I obviously don't have...

    Richard’s Answer

    If the debts is one which is (1) listed in the schedule with a proper address and (2) a debt which can be discharged then any attempt to collect on this debt may possibly be a violation of your discharge. You may be able to pursue a case again the attorney. You should contact the Attorney that filed your case.

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  • How do I get my advance payment to a dentist returned?

    Made a advance payment for dental work when I made a appointment they were closed. Made additional appointment but kept getting the run around. Now the office is closed. Contacted their home office in another state repeatedly, still getting the ru...

    Richard’s Answer

    Agree with Edna, the only way to get your money back it is to sue them. But before you sue them I would send a demand for a refund and put a reasonable deadline such as ten days and you don't receive the refund then sue them. Should they file Bankruptcy, you must be careful to abide by the Bankruptcy rules or they can sue you.

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