The other link referred to above did not get listed. It is below.
(This is an article written in the Suffolk Lawyer about a seminar held at the Bar Association where attorneys discussed, on the two-year anniversary of the new bankruptcy laws, various Chapter 13 issues including the typical amounts attorneys charge for Chapter 13 cases.)
You will absolutely be able to get the title to your car. You had an agreement with the lender to make payments. You voluntarily fulfilled the legal obligations of that agreement. The lender has no greater rights because you filed for bankruptcy and must process the car loan satisfaction paperwork just like any other transaction.
Contractors in Nassau County are governed by the Nassau County Department of Consumer Affairs. I urge you to immediately contact and file a complaint. They may also give you some additional information as to what your rights are. You may also want to consider retaining an attorney to bring suit (Consider calling the Nassau County Bar Association for a referral), or you can bring a small claims action yourself in Nassau County District Court. Good luck!
Most courts interpret the means test in a way that requires a debtor to list the number of family members in the house AT THE TIME OF FILING.
Thus, if your teen child moves out of the house before you file, you technically cannot list the child.
I wrote a fairly detailed article about how to determine family size for the means test, which article was published in a bar association periodical. A link to that article is below. You will find it helpful.
It is not clear by your question whether you've filed for bankruptcy yet, or if you have, who has requested these documents.
In any event, you should be aware: There is no legal requirement under the Bankruptcy Code that you provide the bankruptcy court with bank statements.
The documents you must provide the BANKRUPTCY COURT at the time of filing are:
1. Sixty days of pay stubs
2. A certificate evidencing that you complied with the mandatory pre-filing credit counseling...
YES. You can discharge the judgment your landlord obtained against you for past due rent.
Most debts can be discharged in a Chapter 7 case. They typically include credit card debt, deficiency judgments, personal loans, medical debt, and obligations for past rent when you do not plan to continue the landlord-tenant relationship.
For more info about bankruptcy, please feel free to check out my bankruptcy blog by clicking this link:
There are a lot of unusual facts in your question.
First, it doesn't make sense that you continued to pay the hospital after you filed your Chapter 7 in 2002. Perhaps you were concerned that they would deny you medical assistance thereafter if you did not.
In any event, as long as you listed the hospital debt in the 2002 Chapter 7 filing, then the debt should be discharged, even if you voluntarily continued to make payments thereafter. If this was the case, then the hospital violated...
As a Long Island Chapter 7 bankruptcy attorney, I come across this issue frequently.
The bankruptcy discharge wil forever prevent your mortgagees from pursuing you for any money or any deficiency if they sell the property at a foreclosure auction.
However, they do have the right to foreclose the property. This means they have the ability to sell it by suing you in a foreclosure proceeding. However, by virtue of your bankruptcy, they can only get the property back and they cannot go...
Once you make your final Chapter 13 payment, you do not need to take any special action. The trustee will file a report with the court indicating that you completed your Chapter 13 plan and that you are now entitled to get a discharge. Congratulations!
For more information about bankruptcy practice, law and procedure, please click the link to my bankruptcy blog below: