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Sheila Louise Rambeck

Sheila Rambeck’s Answers

78 total


  • History of Filing for Chapter7 Bankruptcy

    There may be a question on the petition that ask if you filed for bankruptcy in the past 10 years. I am not sure if the question asks in past 10 years or ever. I filed for bankruptcy over 10 years ago. Will I be asked if I ever filed for bankruptc...

    Sheila’s Answer

    The petition only requires that you list any bankruptcy filed in the past 8 years. The trustee may ask at your meeting of creditors if you ever filed, but they are only looking to make sure you didn't file in the past 8 years so you can receive a discharge. The trustee can look at a past bankruptcy, but most don't have the time or inclination to look at one that old.

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  • I'm located in Georgia. If I cosigned with a person on a car loan can they legally file bankruptcy on that without my knowledge?

    cosigned, still have about 30,000 left on, can the person I cosigned with file bankruptcy without my knowledge?

    Sheila’s Answer

    Yes, they can file for bankruptcy without your knowledge, but you should be listed as a co-debtor on their schedules and be notified after they file. If they receive a discharge, you will be responsible for that debt on your own. Either the bankruptcy court or the car finance company will be in touch with you if that happens. You may want to be prepared to file bankruptcy yourself if you are not able to pay this debt.

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  • If I signed a Direct Plus Student loan for my son and he promised to pay it and now refuses, do I have a legal recourse?

    He has graduated and he and his wife are employed and earn over $100,00. He is spending extravagantly and bragging on the net and decided to "disown" me.

    Sheila’s Answer

    If you are a co-signor on this loan and your son doesn't pay it, you are on the hook for it.

    You may want to consult with an attorney to see what legal recourse you have, but short of suing him, you are responsible for that loan payment if he doesn't pay.

    Try to contact the lender to work out some sort of payment plan.

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  • Yesterday my bank account was garnished by my mortgage company who just happens to be the bank my pay check has direct deposit.

    My question is how can the mortgage company garnish my wages when they have foreclosed on my home. did they not receive the house back?

    Sheila’s Answer

    Usually to be able to garnish your wages, the mortgage company should have filed a lawsuit against you claiming a deficiency. If you ignored this lawsuit, they got a default judgment against you for the deficiency amount. Check with a bankruptcy attorney as that may be the best way to get the garnishment stopped.

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  • If the insurance company took a civil suite against me for 11,000 and placed a lien on my license can I file bankruptcy and get

    Could I get my license reinstated and lien took off my license

    Sheila’s Answer

    Yes, you can. Find a local bankruptcy attorney to help you with this.

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  • My wife filed bankruptcy and received a discharge. One of the creditors that she included has sent her job a order to garnish.

    Hi, my wife's bankruptcy was discharged and included in her bankruptcy case was a company that is now garnishing her pay check with the original court order. What needs to be done to get the money back that they took as well as to stop them from t...

    Sheila’s Answer

    She needs to contact her bankruptcy attorney that handled her case. If she didn't have one, she may want to contact one. It's not necessarily do-it-yourself trying to end a garnishment and retrieve the funds.

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  • Is it possible to get a letter of administration without filing probate?

    My husband passed away it will be 3 years this August . All of his affairs I have taken care of except the mortgage is in his name . They won't talk to me unless I have a letter stating I am the administrator . My deed states joint tendency with t...

    Sheila’s Answer

    The deed and the mortgage are two different things. You can own property without being on the mortgage.

    Did you probate his will (if he had one)? If he didn't have one, you need to file a petition with your probate court to be appointed administrator. After you are appointed administrator, you may have better luck with the mortgage company.

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  • My mother passed away june 1st. my sister and I are beneficiaries of her 401k, IRAs etc, how long does it take to get payouts?

    the house is in a trust and other things too I think.. I was told that the 401k would be distributed right away.. is this true and how long will it take them to send a check etc..

    Sheila’s Answer

    Once you send them a certified copy of the death certificate, it shouldn't take very long for them to pay out the accounts.

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  • If two people have a judgement against them. and one person files bankruptcy is the other person responsible for the whole. amou

    one person got another person's car and got in a wreck.. the person that got into a wreck... and damage someone else's car...... the person who drove the car and the person who owned the car got sued....... and got a judgment against them. the per...

    Sheila’s Answer

    Bankruptcy only removes the judgment for the person who files bankruptcy. If both parties have a judgment, the other party is now totally responsible.

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  • Where can i find a cheap bankruptcy lawyer

    I need a bankruptcy lawyer

    Sheila’s Answer

    Bankruptcy attorneys charge fees based on the amount of work we believe we will do on the case. You can check the Georgia Bar Association's website, or you can click on the "Find a Lawyer" link at the top of this page to find a good bankruptcy attorney.

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