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Christopher M. Lefebvre
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Christopher Lefebvre’s Answers

225 total


  • Can I sue my mortgage lender due to unlawful practices on their part?

    I have a question about unlawful practices on my lender's part. When I bought a condominium back in 2004 I was required to put down 20% as it was a second/income property. Despite this they imposed PMI . Now we all know PMI is required when you ow...

    Christopher’s Answer

    If you have paid on time you might have claim. It is probably a good idea to have a consumer attorney review the original mortgage loan docs.

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  • Is there a way, before the next hearing, to submit to the judge information or argument (e.g., a statement) for her to read?

    My former spouse (who, like me, must act pro se for financial reasons) has initiated continuing hearings in Family Court. In these hearings, I wish to make known to the judge relevant information, but Her Honor has little patience for statements I...

    Christopher’s Answer

    Judges listen to evidence. Non lawyers don't know how to present evidence. That is why pro se litigants don't always get the deserved result. Many judges can be quick and want to rush case through system. Do yourself a favor and hire an experienced lawyer.

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  • Want to know if I need to disclose a house I sold four years ago in my bankruptcy.

    Considering filing a chapter 7 bankruptcy since I just lost my job. I am wondering what I need to prepare as a co-worker mentioned real estate. I sold a property four years ago and my ex took the proceeds after our divorce. Do I need to disclos...

    Christopher’s Answer

    you don't need to disclose it. BUT the trustee will most definitely ask about all sales or transfers made during the 4 year period prior to the bankruptcy filing.

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  • Schedule J - Married filing separately from spouse. Do I list just my share of shared expenses?

    I am filing Chapter 7 separately from my husband. We share rent and utilities expenses down the middle. On Schedule J do I list the total amount of the above mentioned expenses or just my share?

    Christopher’s Answer

    If you are below median income then your approach is probably correct. If you are above median then the formula and method of disclosing expenses is much more complicated. Your husband's income is absolutely relevant to your eligibility for bankruptcy protection. The days where spouses were considered separate economic units disappeared when the law changed in 2005.

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  • I would like to know if I can return it with no loss

    Have the car for about two months into months I just got my license plates one week ago so the Dayla was prologue and get my license plates making up excuses Ally drove the car for about two weeks And then things start again messed up engine ...

    Christopher’s Answer

    Something isnt clear. Why did you just get your plates a week agar. the dealer usually registers the car and gets it ready for plates at the time of the sale. How much did you pay for the car? How many miles on it? What are the specific problems with it? Did you get some type of warranty. These issues should be discussed with an attorney that handles these types of cases.

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  • How to handle a judgement against me from 2011 that just appeared on my credit report now?

    Hi. I was notified by my credit card that there was a change in my credit report. So I requested my free credit for the year and noticed a judgement against me from 2011 is now on my report. I don't ever remember being served nor did I receive any...

    Christopher’s Answer

    The responses by other attorneys are right on the mark. Be aware that pretty much all the records for Rhode Island collection matters are available online. I would recommend that you either visit with an attorney or go to any civil clerks office yourself and use the free public access terminals. With a few clicks of a mouse you should be able to locate the file and see exactly how it is the judgment was obtained. To me, this is the first step in attempting to resolve the matter. If in fact you were properly served, you can attempt to settle the matter so the judgment becomes satisfied. If credit reporting is important to you, then you need to make sure the credit report gets updated as part of any settlement. That aspect alone is key and generally requires the help and assistance of a competent attorney. I have seen too many clients after the fact who settled an account post judgment assuming that the bad credit entry would be removed or updated. Obviously they were disappointed when the derogatory credit entries remained. So be careful and good luck.

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  • If there is proven abuse can the custodial parent charge attorney fees to abusive non custodial parent to protect the child?

    Abusive narcissistic husband is emotionally abusing our son to an extreme degree. I work however cannot afford an attorney. Are the attorney fees ever charged to the abusive non custodial parent? Visitation was set during divorce however behavior...

    Christopher’s Answer

    Generally speaking, the only way you will get attorneys fees is if their is a breach of a court order contract which is determined to be contemptuous. I have having difficulty discerning the true issue in your post. If your ex husband is abusing your son then you can get a retraining order without cost. If your ex husband is likewise abusing you which places you in fear of immediate bodily harm then you too can obtain a restraining order. There are no filing fees for abuse restraining orders and if you allege sufficient facts they are granted ex parte-which means without initial notice to your ex-husband. He will be served and have a right to contest the continuance of the order.

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  • Car dealer is trying to back out of a contract for agreed price on a truck

    i put a down payment on a truck but it needed some repairs done. a contract with agreed price was written up and i would pick it up the following saturday.i was called a few days later and told the truck was no longer for sale because of how much ...

    Christopher’s Answer

    Sounds like a good breach of contract claim. If you have a written agreement to purchase then you can attempt to enforce the agreement in court. Dealers sometimes do these things when they realize afterwards that they made a bad deal with a consumer. Don't let them off the hook too easy.!

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  • Is there a way to fight a noncanceble contract. Especially when the company obtains the contract by deceit.

    A national company that has been defrauding small businesses for years by tricking small business into contracts and then changing the terms of the contract by overcharging for all types of add on fees. Then they use the court system in another st...

    Christopher’s Answer

    I gather your business did not read the agreement? The concept of fraud still applies regardless of whether you read the agreement or not. You should have an attorney review the situation with you.

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  • I have a payday loan that I haven't been able to pay back. I am on disability and they are sending me threatening emails.

    They said there was credit fraud, which I don't see how that can be, since I didn't write any checks. Can they sue me? Would I go to jail for this?

    Christopher’s Answer

    You are NOT going to jail for failure to meet your obligations to a payday lender. They are lying to you when they make these types of threats. I would save all the emails. Don't respond to them. You are wasting your time. If they start calling-keep a written log of the date and time they call. Many of these companies have real sleazy out of the country debt collectors that harass people terribly. If they do sue you-which is really no big deal especially if you are on disability and have no assets-then you can counter sue for invasion of privacy .

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