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Susan Schmeidler Blum
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Susan Blum’s Answers

149 total


  • How can I get a medical claim removed from my credit report?

    I had a a very high credit score until an unknown claim for 150.00 by the emergency room physician was sent to the collection agency. That new claim really hurt my credit score and now I can't qualify for a mortgage. I paid the original hospital...

    Susan’s Answer

    You should inquire with the hospital/ER about the services rendered to determine if you received the services. Ask for a billing history too (and update your contact information if necessary). If you owe the ER the amount it claims you owe and if you have no further disputes about it, then pay the debt as soon as you can. Once paid your credit report will reflect that payment was made. But unfortunately it would also show that it's a late payment.

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  • Can I file chapter 7 bankruptcy and be free of credit card debt?

    Our house was foreclosed on so I don't own any property. I just got divorced. I work part-time and go to school. I have 3 kids. I got into 35,000 worth of credit card debt. I had perfect credit but now I can't pay the bills.

    Susan’s Answer

    Based on your income and household size, you seem like you would be a candidate to file Chapter 7 bankruptcy, which would discharge (wipe away) all of your debt, including the 35,000 of credit card debt and any mortgage deficiency for a first or second mortgage from the foreclosure.
    You should contact a local bankruptcy attorney, many will offer free consultations.
    Best of luck!

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  • What can i do against collection agency?

    An agency is calling for my husband i asked why are they calling they won't disclose information to me only talk to him hes in a mental health facility and he hasn't applied for anything in years how can i stop them for calling?

    Susan’s Answer

    I'm sorry to hear about your husband. Since he does not live at the number at which the collector is calling, inform them and request that they no longer call the number. Sending a letter (certified mail) to them will get on the record that you've requested them to stop calling. Continuing calls could be in violation of the Fair Debt Collection Practices Act.
    You could also send the collector a Cease and Desist letter on behalf of your husband. Assuming your husband is not working and only has income through Social Security, this income is protected by law and not subject to garnishment. Telling the creditor this and that they would never be able to collect from your husband anyway should get them off your back.
    Good luck!

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  • A question regarding an auto being financed through chapter 13.

    The only secured item left. Auto engine/computer seized. Towed to mechanic stated not worth to repair (may want to purchase). Called auto lender regarding "loss" and stated someone will come by to review. Was told that lender may NOT take it back?...

    Susan’s Answer

    Without the details of the case it is difficult to answer this specifically. It might be possible for you to work out an arrangement with the bank regarding the lien and the pay-off of the debt. Any arrangement would likely require you to do a post-confirmation amendment to your Chapter 13 plan, for which you would need the approval of the court. There are a lot of moving pieces here and conversations that need to be taking place - with the lender and with the Ch 13 trustee's office. If you have an attorney this is an area that the attorney should be navigating on your behalf.

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  • Wages are going to start being garnished and we also have some other debt that needs resolved. Is bankruptcy for us?

    Wage garnishment is from a repo in 09. other debts have been occurred since then trying to stay afloat and we just keep falling behind. Looking at another repo soon and collections calling on other debts. credit card, medical bills, ect. Can you p...

    Susan’s Answer

    Given the general information that you included it would be wise for you to consult with a local bankruptcy attorney (many offer free consultations). You can have the repossession deficiency, credit card debt and other miscellaneous debt included in and discharged in the bankruptcy. What bankruptcy is available to you - Chapter 7 or 13 - would depend on many factors, including your income, household size and any assets that you may have. By filing bankruptcy you would stop the garnishment in its tracks. You might also be able to retrieve any garnished funds should you not be able to file bankruptcy prior to the garnishment starting. Talk to an attorney, who can inform you of the next best steps for you to take.

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  • I got married in 2011. I filed bankruptcy in 2009 due to credit cards and medical bills. My Husband needs to file due to credit

    cards. Can He file with us being married? he is 62 and disabled, Im 54 and a factory worker.

    Susan’s Answer

    Your husband is permitted to file an Individual bankruptcy that would not involve you or your previous case. The question is whether filing bankruptcy is necessary for him if he is not working and his only income is social security (is he "judgment proof"?). You should consult with a local bankruptcy attorney to determine what his options are.

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  • File chapter 13 concerned about 04 truck only thing of value we have left main vehicle to get to work no loan can we keep it

    make to much money filing do flipping house on side took bad turn last three years plus 3 rentals

    Susan’s Answer

    I am unclear whether your goal is to keep the truck so you can use it (thereby "selling" to your mom so you still have control over it) or if you no longer need to car. There are exemptions when you file bankruptcy that allow you to protect your assets. You should contact a local bankruptcy attorney (many offer free consultations) to determine what your options are and what the motor vehicle exemption is in Illinois BEFORE you take any action with the truck.
    You would need to report the transfer, sale, giving away, etc. of any property in the 2 years preceding the bankruptcy filing. If your goal with selling your truck to your mother is to protect/hide this asset, then this is probably not something that you want to do.
    Also look into whether a Ch 7 would be better for you.

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  • Provided my circumstances do not change, do I need to take any further steps with the court once I receive my Chp 7 Discharge?

    I received a Discharge of Debtor order from the court which states "IT IS ORDERED that the debtor is granted a discharge under 11 USC § 727. There were no listed exceptions. Just the standard information printed on the back of the discharge regar...

    Susan’s Answer

    If there is a death within 180 days of the filing of your bankruptcy petition and you will receive an inheritance from the deceased, then you should contact your bankruptcy attorney. Your attorney (or you if you do not have an attorney) will need to contact the Ch 7 trustee to inform her of the death and possible inheritance.

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  • What are my options to filing bankruptcy? How do I get started?

    My husband experienced loss of income and we are in jeopardy of losing our home.

    Susan’s Answer

    You should contact a local bankruptcy attorney - many offer free initial consultations. There are two bankruptcies that might be available to you: Chapter 7 and Chapter 13. With a Chapter 7, the bankruptcy case from filing to discharge/closure is fairly quick, perhaps around 4 months. The Ch 7 provides you with a complete discharge - or wiping away - of your debt. In a Ch 13 you would be in a payment plan lasting between 3-5 years; you would need to have sufficient income to support the Ch 13 payment. There would be reasons and benefits for filing one chapter over the other.
    Since you mentioned that you are in jeopardy to lose your home, does this mean that you are delinquent with mortgage payments? You would need to be current with your mortgage if you filed a Ch 7 and wanted to keep your home. In a Ch 13, you could put the arrears in a payment plan and pay that back over a period of up to 5 years. A bankruptcy attorney could guide you as to what would be best for you.

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  • In a chapter 13, even if the home is paid for, is there a lien put on it from the bankruptcy or can it be gifted to a son?

    My mom filed a Ch 13 bankruptcy. Her home is now paid for. She is 91 years old & wants to give my brother the home in a gift deed. Can she?

    Susan’s Answer

    Your mother's attorney should discuss this scenario with the Ch 13 trustee to see what is permissible in her jurisdiction.

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