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Ivan Raevski
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Ivan Raevski’s Answers

458 total


  • If a divorce decree releases a spouse from their home, that are both named the mortgage can that person be held responsible

    home in default, couple gets divorced leaving the spouse with the responsibility of the home and releasing the other spouse from the home. Shouldnt the bank remove the spouse that is released from the property from the mortgage? Also if the spouse...

    Ivan’s Answer

    the divorce decree cannot release you from responsibility for mortgage. the bank is not party to your divorce so they can come after both parties even if they divorced and one of the parties released the other from responsibility.
    you may have a claim against your former spouse if the bank comes after you but you will not be removed from the mortgage unless the home is refinanced under your ex-spouse name only.

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  • My account was closed and funds taken out due to a LEVY

    LEvy

    Ivan’s Answer

    So what is your question? Sometimes if you file for bankruptcy fast enough, you may be able to get those funds back. Otherwise they are gone.
    Depending on what you situation is, you might want to consult an attorney regarding bankruptcy or debt settlement. There are several options out there.

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  • How long does a bankruptcy case take? i want to file for bankruptcy if its the best case.

    I have student loans from the government and car loan.. and couple other accounts collection agency and a judgement lien on private student loan. i just can afford my car payment and current student loan. if i file for bankruptcy how long will it...

    Ivan’s Answer

    usually takes 3-4 months. you don't have to wait 7 years. Often credit card companies would send you offers a week or two after your case is over.
    Repaying your car loan will help rebuild your credit.

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  • Is a letter from a doctor/licensed therapist about what he witnessed admissible in a domestic violence hearing.

    Is a letter from a doctor/licensed therapist about what he witnessed in a therapy session between me and my ex, and his concerns admissible during a hearing for a final restraining order? I am currently divorced for three years and my ex is consta...

    Ivan’s Answer

    Generally speaking reports and letters are not admissible unless the person writing such letter/report is present in the Court to testify regarding such letter.

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  • A LOT OF DEBT, BAD CREDIT, BUT NO ASSETS AT ALL IN MY NAME

    A LOT OF DEBT, BAD CREDIT, BUT NO ASSETS AT ALL IN MY NAME. IS BANKRUPTSY THE WAY TO GO IF I HAVE NO ASSETS? MY GOAL IS TO REBUILD MY CREDIT AND MY LIFE TO THE WAY IT WAS BEFORE I WAS MARRIED. JUST WANTED TO KNOW MY BEST OPTIONS. NOW I HAVE 2 JUDG...

    Ivan’s Answer

    You should meet with an attorney to discuss all your option. That said, from what you stated, bankruptcy is probably the best and cheapest way out of your situation. Since you already have 2 judgements and another lawsuit pending, your credit score would be very low.

    If you chose to set up payment plans with collection agencies, your credit won't start improving until you have paid them off. And yes if you go this route, make sure you have a written agreement with them and also make sure they are actually authorized to collect that particular debt.

    If you file bankruptcy, it will wipe all the unsecured debt (credit cards, bills, etc). So you credit will improve fairly quickly as the lenders will know that you cannot file bankruptcy again for another 7 years and thus they will get their money back if they lend it to you post bankruptcy.
    Some of my clients achieved credit scores of 650-700 within 2 years after filing chapter 7.

    Most bankruptcy attorneys including myself offer free consultations. you can contact my office if you have any further questions.

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  • Divorve when we live in different states?

    I live in NJ, wife lives in MD but works in NJ. I would like to file for a divorce in NJ. Is this possible to do?

    Ivan’s Answer

    You can file in NJ as long as you have lived in NJ for at least a year.

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  • I want a divorce and the house is in my name and was purchased prior to the marriage. We moved in together but I made the purch

    purchase of the house in my name with my $$ does he get half, and if so, is that after the mortgage is paid? Also, he has two vehicles that he owns in his name (no lender) which are currently registered and insured in my name how can I want to ha...

    Ivan’s Answer

    more info is needed regarding the house. if you purchased the house prior to being married with your personal money, it would be considered separate property which you get to keep. However if you were paying mortgage out of marital funds during the marriage, its likely that part of the equity in the house will be considered marital property.
    Of course the outstanding mortgage would have to be considered. your ex would be entitle to a part of the equity in the house if marital funds were used.
    The cars would be deal with as part of divorce. half of that property would be yours as well if it was bought with marital funds.
    Talk to a couple of divorce attorneys to get a better idea. Most, including myself, offer free consultations

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  • How much max. time can I take to respond to divorce notice after receiving for the first time.

    My wife has applied for divorce and I have collected the Divorce notice Xerox copy (guaranteed Supernova) on 12/12/2013 through court person in hand. But in the notice it mentioned the date 12/06/2013 and mentioned my office address an also mentio...

    Ivan’s Answer

    You have 35 days from the day you were actually served with the Complaint. You should at least consult an attorney before filing an answer. divorce is a very serious matter with potentially long lasting consequences.
    Most divorce attorneys, including myself offer free consultations.

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  • I have a 43 year old neighbor harassing my 16 15 year old daughter he just got arrested for cigarette smuggling and he is trying

    he follows them he pulls at his private at them he stares and licks his lips at them

    Ivan’s Answer

    Call your local police department, I am sure they will have a conversation with him. Sounds like a criminal matter.

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  • My ex-wife filled for Divorce and Child support and I was never informed, served. Now i have 70K in back child support.

    I was never served with any documents to appear in court. All documents in the filings where based in fraud, a violation of my due process rights, fraud on the court. The judge who allowed this to happen as since retired. What can I do?

    Ivan’s Answer

    As other counsel has previously pointed out, you should meet with a divorce attorney who practices in the area to discuss your case.
    You would need to file a motion to re-open the case and have the child support reconsidered. There are many factors here and I could give you an opinion regarding your case only after I have reviewed all the paperwork in your case.
    This is not something you would be able to do by yourself. Get an attorney as soon as you can.

    Many attorneys in the area, including myself offer free consultations and flexible payment plans

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