Scott R. Schneider’s Answers

Scott R. Schneider

Hicksville Bankruptcy Attorney.

Contributor Level 3
  1. Do I need to file a Chapter 7 bankruptcy?

    Answered 8 months ago.

    1. Scott R. Schneider
    2. Howard Edward Knispel
    3. Michael Christopher Burr
    4. Eric Edward Rothstein
    5. Dorothy G Bunce
    6. ···
    7 lawyer answers

    Retirement accounts are protected. You may unemployed now, but when you are working again, if they have obtained a deficiency judgment they will garnish your salary and seize your accounts. There are other factors to consider before filing for bankruptcy. You should talk to a local bankruptcy attorney.

    5 lawyers agreed with this answer

  2. If you get a judgements from credit cards and you eventually have to file chapter 7 can those judgements be included

    Answered 9 months ago.

    1. Eric Edward Rothstein
    2. Howard Edward Knispel
    3. Andrew M. Doktofsky
    4. Scott R. Schneider
    5. Michael Hal Schwartz
    5 lawyer answers

    You must list all your debt, including judgments when you file a Chapter 7 Bankruptcy Petition. By listing the judgments, they can no longer garnish your salary or seize your accounts. However, if you own real property, the judgment lien survives the bankrutpcy unless you file a motion to remove the lien while your bankruptcy case is pending. It is best to file before they obtain a judgment.

    2 lawyers agreed with this answer

  3. Is a creditor prohibited ( in New York State ) from taking collateral if one is current on the payments after filing chapter 7?

    Answered 12 months ago.

    1. Michael A. Koplen
    2. Michael Hal Schwartz
    3. Jayson Lutzky
    4. Howard Edward Knispel
    5. Scott R. Schneider
    5 lawyer answers

    If you want to keep your auto, you must sign a reaffirmation agreement and stay current on your payments. Your statement of intentions should say "Reaffirm" not "other"

    1 lawyer agreed with this answer

    1 person marked this answer as helpful

  4. Can't pay credit cards on disability have old car own nothing can they give me a judgement or will they leave me alone 47 years

    Answered 9 months ago.

    1. Howard Edward Knispel
    2. Eric Edward Rothstein
    3. Michael Hal Schwartz
    4. Scott R. Schneider
    4 lawyer answers

    They will not leave you alone. You will eventually be sued and they will try to collect on the judgment. You should talk to a bankruptcy attorney to see if bankruptcy is right for you.

    1 lawyer agreed with this answer

  5. Can creditor put a lien on my home while I'm in a chapter 13 plan? If so can it be removed?

    Answered 11 months ago.

    1. Jayson Lutzky
    2. Michael Hal Schwartz
    3. Scott R. Schneider
    4. Susan Schmeidler Blum
    4 lawyer answers

    If the lien was obtained after you filed the Chapter 13, it must be removed as it violates the automatic stay. If the lien was obtained prior to the bankruptcy, you can file a motion to remove the lien. You should discuss this with your attorney.

    1 lawyer agreed with this answer

  6. How will my filing for chapter 7 affect someone I cosigned an auto loan for and where do I enter it on bankruptcy schedules?

    Answered 12 months ago.

    1. Michael A. Koplen
    2. Paula Brown Sinclair
    3. Scott R. Schneider
    4. Howard Edward Knispel
    5. Diane L Gruber
    5 lawyer answers

    You will be discharged of the obligation and the co-signer will still be responsible for the auto loan.

    1 lawyer agreed with this answer

  7. Can you ask a bankruptcy court to keep certain personal financial records private and away from creditor?

    Answered about 1 year ago.

    1. Eric Edward Rothstein
    2. Scott Benjamin Riddle
    3. Scott R. Schneider
    4. Diane L Gruber
    4 lawyer answers

    Bankruptcy is for the honest but unfortunate debtor. Any documents filed with the Bankruptcy Court become public documents. Any documents provided to the Trustee may be made public depending upon what the trustee discovers.

    1 lawyer agreed with this answer

  8. How do I file for bankruptcy in NY ? How much does it coast ?

    Answered about 1 year ago.

    1. Theodore Lyons Araujo
    2. Michael Hal Schwartz
    3. Yefim Rubinov
    4. Scott R. Schneider
    5. Kathryn Ursula Tokarska
    5 lawyer answers

    It depends upon what Chapter your are filing and the complexity of your case. As for eligibility, there are certain criteria that you must meet to qualify for a Chapter 7 or a Chapter 13 bankruptcy.

    1 lawyer agreed with this answer

  9. I am unemployed with no income, I just received in the mail a check for $3500.00. i'm in debt, and being sued by credit card

    Answered 9 months ago.

    1. Eric Edward Rothstein
    2. Scott R. Schneider
    3. William J. Neild
    3 lawyer answers

    If the credit card or collection agency has a judgment against you, they can go after the joint bank account. If you have other debts, you may want to talk to a bankrutpcy attorney.

  10. What does Chapter 7 bankruptcy do for a house that is beyond being modified?

    Answered 11 months ago.

    1. Theodore Lyons Araujo
    2. Howard Edward Knispel
    3. Scott R. Schneider
    4. Hayley R. Greenberg
    5. Nels C. Hansen
    5 lawyer answers

    Chapter 7 does nothing to help you keep or save your house. However, by filing a Chapter 7, you can discharge your personal liability on the note. What this means is that when the foreclosure comes to the end and the property is sold at a foreclosure sale, if the property sells for less than what is owed on the mortgage, the mortgage company can go after you for the deficency. The deficency is the difference between what the property sells for and the balance owed on the mortgage. However,...

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