Sheila Louise Rambeck’s Answers

Sheila Louise Rambeck

Peachtree City Bankruptcy Attorney.

Contributor Level 10
  1. Motion to lift stay with a recent reinstatement.

    Answered over 1 year ago.

    1. Sheila Louise Rambeck
    2. Glen Edward Ashman
    3. Ashley Anne Digiulio
    4. Gary D. Bollinger
    4 lawyer answers

    They can get the Motion for Relief from Stay, but that doesn't mean they will start foreclosure proceedings. If your mortgage is current, they won't generally foreclose. They just want to make sure they are covered in case you are late on your future payments.

    6 lawyers agreed with this answer

  2. I have a question about a Chapter 13 Bankruptcy case and issues regarding making payments?

    Answered 3 months ago.

    1. Glen Edward Ashman
    2. Sheila Louise Rambeck
    3. Richard Glenn Elie
    3 lawyer answers

    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.

    5 lawyers agreed with this answer

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

    Answered 3 months ago.

    1. Sheila Louise Rambeck
    2. Waymon S. Harrell
    3. Richard Glenn Elie
    4. Richard Sabbatino Ravosa Jr.
    4 lawyer answers

    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.

    4 lawyers agreed with this answer

  4. Would i be able to get refund on chapter 7 that has not been filed yet even thought i signed paper stating no refund

    Answered 3 months ago.

    1. Richard D. Granvold
    2. Scott Benjamin Riddle
    3. Sheila Louise Rambeck
    4. Glen Edward Ashman
    5. Elizabeth Marie Mcbride
    5 lawyer answers

    Yes, the attorney can keep the fees if you signed a contract making the full fee non-refundable. My contract provides that a portion of my fee is non-refundable if they change their mind before signing. That covers the work I do before signing. If I haven't done anything on their case (meaning no document preparation and no significant phone calls or e-mails exchanged) when they change their mind, I will usually refund their payment, as my consultation with them is free.

    4 lawyers agreed with this answer

  5. Is there anyway to fight a Motion for relief of stay

    Answered over 1 year ago.

    1. Sheila Louise Rambeck
    2. Michael S. Marr
    3. Glen Edward Ashman
    4. Robert M. Gardner Jr.
    4 lawyer answers

    If you didn't miss any mortgage payment since you filed the 13, you didn't need to convert. You make up the missed payments in the Chapter 13 plan. As long as you stay current after filing, you are fine. It sounds like you don't have an attorney--big mistake! Chapter 13's can be tough for people trying to do it on their own. The mortgage company should be able to talk to you if you have no attorney. If you do have an attorney, you need to talk to them about why you converted to a Chapter...

    4 lawyers agreed with this answer

  6. My spouse & I got line of credit he died Im stuck with debt. I married & changed name with my SS. Can I bankrupt w/old name

    Answered 6 months ago.

    1. Sheila Louise Rambeck
    2. Robert M. Gardner Jr.
    3. Glen Edward Ashman
    4. Stuart M Nachbar
    4 lawyer answers

    When you file for bankruptcy, you must list all names you have used in the last eight years, including your current (new) last name. If you have no joint debt with your new husband, his credit shouldn't be impacted by a bankruptcy. Please call an attorney to set up a consultation--most offer one free consultation.

    3 lawyers agreed with this answer

    1 person marked this answer as helpful

  7. Filed Bankruptcy and need to stop wage garnishment.

    Answered 10 days ago.

    1. Ashley Anne Digiulio
    2. Waymon S. Harrell
    3. Sheila Louise Rambeck
    4. Glen Edward Ashman
    5. Dorothy G Bunce
    6. ···
    6 lawyer answers

    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.

    3 lawyers agreed with this answer

  8. When I file bankruptcy does it also take all my INQUIRES AWAY!

    Answered 3 months ago.

    1. Glen Edward Ashman
    2. Scott Benjamin Riddle
    3. Sheila Louise Rambeck
    4. Blake Owen Brewer
    5. David E. Galler
    5 lawyer answers

    Bankruptcy will not remove the inquiries from your credit report. It will help you get a fresh start, however. Contact a local bankruptcy attorney to help you through this process and make sure it is done correct.

    3 lawyers agreed with this answer

  9. My Ch. 7 bankruptcy petition was filed by an attorney, but the petition indicates that I filed personally...what can I do?

    Answered over 1 year ago.

    1. Brett D Weiss
    2. Sheila Louise Rambeck
    3. Joshua Robert Miller Driskell
    4. Glen Edward Ashman
    5. Jonathan Stone
    6. ···
    7 lawyer answers

    If the court's filing fees were not paid, the court will eventually dismiss the case. However, if you plan to file again, this creates problems. Speak to an experienced bankruptcy attorney--most offer free consultations.

    3 lawyers agreed with this answer

  10. Do I have a case? Should I be able to get my student loans discharged? Is this fair?

    Answered over 1 year ago.

    1. Scott Benjamin Riddle
    2. James Liu
    3. Glen Edward Ashman
    4. Sheila Louise Rambeck
    4 lawyer answers

    Most student loans are not dischargeable without extreme circumstances. You used the funds to attend college; you will have to pay them back. You don't have a case.

    3 lawyers agreed with this answer