Alan S Dambrov’s Answers

Alan S Dambrov

Stratford Chapter 7 Bankruptcy Attorney.

Contributor Level 13
  1. In a complex ch 11 bankruptcy, is a trustee always appointed?

    Answered 6 months ago.

    1. Alan S Dambrov
    2. Michael A. Goldstein
    3. Scott Benjamin Riddle
    4. Douglas Beaton
    5. Michael Christopher Burr
    6. ···
    7 lawyer answers

    While many chapter 11 cases are self administered by the debtor, without a trustee, subject to court oversight, where the management has been charged with fraud, it is more likely that a trustee will be appointed and/or the case converted to chapter 7. Creditors, like yourself, are entitled to form a committee that would have active status in the case. The U.S. Trustee may already have called for a meeting of creditors. Forming a committee is ofter the best way to get accurate information,...

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  2. Can chapter 7 bankruptcy discharge excise taxes owed to the MA DOR?

    Answered about 1 year ago.

    1. Alan S Dambrov
    2. Matthew Scott Berkus
    3. Michael A. Goldstein
    4. Douglas Beaton
    4 lawyer answers

    Most experienced consumer bankruptcy attorneys had had experience with the discharge of tax obligations. You should talk to one or more bankruptcy attorneys to determine who you are comfortable with. Part of your problem is that you know how to read the statute but only an experienced practitioner can help you sort out your situation and apply the law. Good luck.

    6 lawyers agreed with this answer

  3. Reverse mortgage and bankruptcy

    Answered about 1 month ago.

    1. Danielle M. Callahan
    2. Richard Glenn Elie
    3. Alan S Dambrov
    4. Michael B Feinman
    4 lawyer answers

    As the others have properly advised you need to consult an experienced bankruptcy/debtor's rights attorney. You may have options other than bankruptcy. Only someone who can review all of your circumstances can give you advice about what options might be available to you. Good Luck.

    5 lawyers agreed with this answer

    1 person marked this answer as helpful

  4. I am trying to file chapter 7, but read in a separate post that if my spouse owns the home we live in, I won't be able to use

    Answered 11 months ago.

    1. Shaye Larkin
    2. Alan S Dambrov
    3. Michael J Tremblay
    4. Brent J Jensen
    4 lawyer answers

    Y0our question cannot be safely answered until someone familiar with the means test knows all of your circumstances. If you are going to hire an attorney, get one sooner rather than later. We frequently have to do some pre bankruptcy planning before a petition can be filed. It should not cost more to get an experienced attorney involved now and to help you sort out these issues.

    4 lawyers agreed with this answer

  5. Foreclosure, Bankruptcy Chapter 7, HOA condo fees, Deficiency Judgement in Connecticut

    Answered over 1 year ago.

    1. Alan S Dambrov
    2. Ray Choudhry
    3. Dorothy G Bunce
    3 lawyer answers

    Any taxes or HOA fees that accrued post filing date are your responsibility and were not discharged in the Bankruptcy. To the extent that the Bank paid some or all of those charges, you cannot be liable to the taxing authority or the HOA for charges that have been paid. They are only entitled to collect once. Depending on the documentation, you may be liable to the Bank if it paid those charges. The bottom line is that I always advise my clients to settle the issue of title to their real...

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  6. Am I still liable for taxes and insurance the bank continues to pay after my FHA loan was discharged in Chapter 7 bankruptcy?

    Answered over 1 year ago.

    1. Alan S Dambrov
    2. Sreenivasarao Vepachedu
    3. Helen Huyen Huynh
    3 lawyer answers

    Yes, you are probably liable for all of the charges, not just post discharge but from the beginning if they are past due and there is a lien on your property. As long as title remains in your name, you remain liable for taxes. Insurance is somewhat different. If the bank paid the insurance and or taxes, their claim against you personally was discharged. On of the problems you face is whether to continue paying for insurance, you should at a minimum maintain liability coverage. I generally...

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  7. May I respond to credit card offers I receive in the mail before my Chapter 13 bankruptcy is discharged?

    Answered 22 days ago.

    1. Richard Glenn Elie
    2. Dorothy G Bunce
    3. Alan S Dambrov
    4. Malinda L Hayes
    4 lawyer answers

    The simple answer is that you can proceed only with approval of the bankruptcy court. You should review the consequences and costs with your lawyer to determine if it has any value for you to go forward. Good Luck.

    5 lawyers agreed with this answer

  8. How long before the I.R.S. and State of North Carolina "pursue" me for past due taxes? Does a bankruptcy filing affect this?

    Answered over 1 year ago.

    1. Alan S Dambrov
    2. Linda Simmons Campbell
    2 lawyer answers

    These are some of the problems that an experienced bankruptcy lawyer sorts out and provides you with an understanding of your alternative. The issues are too complicated to answer simply. If you are not getting guidance from your attorney, it is time to get one familiar with these problems.

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  9. Can a lien for a second mortgage be placed on my home after Chapter 7 bankruptcy?

    Answered almost 2 years ago.

    1. Alan S Dambrov
    2. William J Lasko
    3. David Lloyd Merrill
    3 lawyer answers

    Your question raises several questions that require further inquiry before you can be given advice. You state that the debt was discharged. That is a legal conclusion and requires an analysis of your filing papers. If the debt was properly scheduled, the trustee waived any claims, and it was discharged, then the lien was improperly filed and you should ask the lender to remove the lien. If they dispute your conclusion or won't co-operate then you will have to get an attorney and go to court...

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  10. If I am filing bankruptcy in March 2014 can my husband refinance our house in his name alone in April 2014?

    Answered 8 days ago.

    1. Alan S Dambrov
    2. Richard Glenn Elie
    3. Matthew Paul Woermer
    4. Matthew Scott Berkus
    4 lawyer answers

    AS the others have stated, it is unlikely that you will be able to successfully proceed as you described. However, there may be alternatives that could work, but it is not a one dimensional question and answer. You should sit with an experienced attorney to review all of your circumstances and then the attorney can help you understand what options might be available to you. Why do you want to "roll over our credit line?" Is it expiring? Do you need more money? If you are going to try to...

    3 lawyers agreed with this answer