Skip to main content
Sheila Louise Rambeck

Sheila Rambeck’s Answers

73 total


  • 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.

    See question 
  • 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.

    See question 
  • 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.

    See question 
  • 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.

    See question 
  • 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.

    See question 
  • What happens if an amount that you owe a company changes after you file bankruptcy?

    Hi, my question is, I filed bankruptcy (Chapter 7) and included the rental property where I am living. I wanted to know since there was an automatic stay and since I am still living there, of course a new months rent has been added. Do I need to f...

    Sheila’s Answer

    The court will not discharge rent that comes due after your bankruptcy filing. You cannot add it in to your ongoing Chapter 7. If you do not pay the rent due since you filed, your landlord will wait until the stay is ended and begin eviction proceedings.

    See question 
  • Can attorney refuse to represent you if the opposing party is in Chapter 13 bruptcy?

    I'm scheduled for a dispossessory hearing on May 26. The other party are squatters in my house and I want them gone. I wanted to hire an attorney to represent me at the hearing. He refused because the defendant was in Chapter 13. Can he do that?...

    Sheila’s Answer

    If the defendant is in a Chapter 13 bankruptcy, you cannot continue with your dispossessory without having a Motion for Relief from Stay granted by the court. You would be better off hiring an attorney to file that motion for you. Contact another one--just because one turned you down doesn't mean they all will.

    See question 
  • Filed Bankruptcy and need to stop wage garnishment.

    Is there a form that needs to be submitted to my employer so they will know not to honor a wage garnishment request after I have filed bankruptcy or do I just tell the human resource department?

    Sheila’s Answer

    It sounds like you are doing your bankruptcy yourself. You may need to retain an attorney to make sure all aspects of the garnishment are covered. It's not a do-it-yourself job.

    See question 
  • Hi. I have one final question regarding my Ch. 13 Bankruptcy...

    I understand that certain people qualify to have their ch. 13 switched to a ch. 7 if they are having problems with payments. But a disqualifier is that the individual could not have filed a Chapter 7 within the last 8 years...That makes me sad. ...

    Sheila’s Answer

    There are no exceptions to the "8 years filing date to filing date" rule. I'm assuming your previous Chapter 7 wasn't dismissed, but was discharged and closed. You need to be speaking with your attorney.

    See question 
  • I have a question about a Chapter 13 Bankruptcy case and issues regarding making payments?

    I have an active Ch. 13 case. I lost my job last July. I was granted 3 months no payments. The problem is this: I only receive child support (only income to live on) and I can't make full payments monthly toward bankruptcy. I had read online t...

    Sheila’s Answer

    As Mr. Ashman said, you need to contact your attorney. If you do not have one, you may have waited too long.

    You might be eligible for a plan modification, but only your attorney would know all the facts and circumstances to determine if this is possible.

    See question