Alon Joseph Nager’s Answers

Alon Joseph Nager

Columbia Bankruptcy Attorney.

Contributor Level 14
  1. When do you file a motion to avoid lien if you have a ch 7 and a judgment was entered prior to ch 7

    Answered over 4 years ago.

    1. Alon Joseph Nager
    2. Marc Gregory Wagman
    2 lawyer answers

    You need to send a "suggestion of bankruptcy" to the state court. If the judgment is in Baltimore City District Court or any County Circuit Court you will need to file a motion to avoid lien. You should speak to an attorney about this because the motion is complicated. The motion is usually filed at the outset of the case. Good luck. Alon Nager Russack Associates, LLC 100 Severn Ave., Ste. 101, Annapolis, MD 21403 410-575-3917 alon@russacklaw.com Disclaimer: Please note that...

    1 lawyer agreed with this answer

  2. I am being sued, but was never served?!?!

    Answered over 4 years ago.

    1. William C Wood
    2. Alon Joseph Nager
    3. Mark Hankins
    3 lawyer answers

    I agree with Mr. Wood. You must be served in order for the lawsuit to proceed. If the creditor has a hard time serving you the court may allow the creditor to use alternative methods to obtain service. But that doesn't seem to be the case here. You should consider hiring an attorney to help you with this. Good luck. Alon Nager Russack Associates LLC 100 Severn Ave., Ste. 101 Annapolis, MD 21403 410-505-4156

    1 person marked this answer as helpful

  3. When dealing with credit card debt, can a law office accept an offer lower then what they are asking?

    Answered over 4 years ago.

    1. Robert Harlan Stempler
    2. Alon Joseph Nager
    3. Lauren E. Timmerman Powell
    3 lawyer answers

    The law office can settle the debt for whatever amount its client is willing to accept. It doesn't sound like the debt settlement company is doing a good job for you if you are being sued and having to ask this type of question online. Perhaps you should meet with an attorney to discuss other options. Good luck. Alon Nager Russack Associates, LLC 100 Severn Ave., Ste. 101, Annapolis, MD 21403 410-575-3917 alon@russacklaw.com Disclaimer: Please note that this answer does not...

    1 person marked this answer as helpful

  4. S corporation bankruptcy during divorce

    Answered over 4 years ago.

    1. William C Wood
    2. Alon Joseph Nager
    2 lawyer answers

    My colleague is absolutely right. The likely scenario is that you and your husband own the house as tenants by the entirety. Under state law, only joint creditors of you and your husband can reach the equity in your home. Individual creditors cannot. Your husband most likely personally guaranteed or cosigned some of the corporation's debts. If you and your husband get divorced, the tenancy will be severed allowing your husband's creditors to attach his interest in the property. If they...

    1 person marked this answer as helpful

  5. After you file bankruptcy (chapter 7) can bill collectors garnish your checks..

    Answered over 4 years ago.

    1. Sari Karson Kurland
    2. Alon Joseph Nager
    3. Jillian K Aylward
    4. Timothy William Combs
    4 lawyer answers

    Filing for bankruptcy protection invokes the protection of what is known as the automatic stay. The automatic stay prevents most creditors from continuing to garnish your wages and from taking other actions to collect debts from you. When you receive a discharge in the case, assuming the debt is discharged, it will prevent creditors from taking these actions indefinitely. The bottom line is that in most cases the bill collectors will not be able to continue garnishing your checks after the...

    1 person marked this answer as helpful

  6. What does it mean to get a final decree letter from a bankruptcy court

    Answered over 4 years ago.

    1. Alon Joseph Nager
    1 lawyer answer

    It simply means that your case is closed, administratively and otherwise, and that the Trustee is released from his/her duties as Trustee in the case. It also means that, going forward, if you or anyone else wanted to file anything in the case, you would have to ask the court to reopen the case and pay a fee. Hope this helps!

    1 person marked this answer as helpful

  7. My chapter 13 bankrupcty payments are almost complete,encountered problems. My attorney won't return my calls, what should I d

    Answered over 4 years ago.

    1. Alon Joseph Nager
    2. Henry Repay
    3. Gerard William O'Brien
    4. Mitchell Paul Goldstein
    4 lawyer answers

    Your attorney is obligated to represent you throughout the Chapter 13 process until your case is closed. Your attorney is not acting professionally and is not giving you your money's worth. That said, you may keep trying to reach him to sort this out or you may contact the Office of the United StatesTrustee for your district or the local bar and file a complaint against him. Good luck. Alon Nager Russack Associates, LLC 100 Severn Ave., Ste. 101, Annapolis, MD 21403 410-575-3917...

    Selected as best answer

  8. I file Chapter 7 bankruptcy by myself about 3 weeks ago. But I still have a few questions. Will Lawyers help?

    Answered over 4 years ago.

    1. Alon Joseph Nager
    2. Jeffrey B. Lampert
    3. Mitchell Paul Goldstein
    3 lawyer answers

    It is difficult for an attorney to help you at this point without assuming responsibility for your entire case. Your best bet is to contact the bankruptcy court and ask the clerk's office if they have any debtor assistance programs. These programs are set up to help pro se debtors. The program in Maryland consists of a help desk with an attorney who is there to answer bankruptcy questions at no charge. Maybe they have a program like that by you. If not, you may want to check with the local...

    Selected as best answer

  9. Reaffirmation in Chapter 7

    Answered over 4 years ago.

    1. Alon Joseph Nager
    2. Timothy William Combs
    3. Mitchell Paul Goldstein
    3 lawyer answers

    It is your choice as to whether or not you request a reaffirmation agreement from your lender(s). You do so by indicating whether or not you'd like to reaffirm on the Statement of Intent filed in your case. If you indicate that you would like to reaffirm one but not the other that is fine. Whether or not that makes sense is another matter. Before you sign a reaffirmation agreement you should go over it with an experienced bankruptcy attorney. This area is complicated and you need to be...

    Selected as best answer

  10. Can a bank make you pay balance of loan on car after you have been discharged and the car was part of the bankruptcy

    Answered over 4 years ago.

    1. Alon Joseph Nager
    2. Daniel J Wilson
    3. Edward P Sager
    4 lawyer answers

    If the underlying debt was listed and you did not sign a reaffirmation agreement the debt should have been discharged if your case was a Chapter 7. If you filed a Chapter 13 case it would depend and you would probably need to seek counsel in OH to answer the question. If it was a Chapter 7 case you should either contact the attorney who filed your case and/or send a letter disputing the debt to the creditor and credit bureaus (equifax, transunion, experian) along with a copy of your discharge...

    Selected as best answer

We're ready to help. Contact us today.

443-472-6747