Skip to main content
Todd Michael Boudreaux
Avvo
Pro

Todd Boudreaux’s Answers

126 total


  • Getting divorced one filing bankruptcy credit cards have 1 mainaccountholder withsecond just cardholderwilltheotherbe effected

    not divorced yet but wife will file for bankruptcy asap will the second card holder be affected or responsible for any of the balance . the card is in the wife's name but I have a card in my name under her account. will the bankruptcy affect ...

    Todd’s Answer

    It is likely that you have other joint debts and her filing could have a significant impact on you. You should discuss this with your divorce attorney to determine if the settlement agreement can either provide some protection for you or repay you for the trouble it causes.

    See question 
  • How do I get information related to survivor benefits for the former spouse of a civil service employee?

    I was married for more than 20 years to a civil service employee who retired on disability approximately 18 years ago and passed away about 3 weeks ago. I have read much of the related information online, but do not understand how to get the proc...

    Todd’s Answer

    Was the disability income provided through Social Security or the civil service agency? You should make an appointment to go to the Social Security office or the office of the former employer for assistance.

    See question 
  • Are doors required to be locked during business hours in a business office where customer information is located?

    I work for an automobile dealer in the accounting office where we process the paperwork for the car deals. The customers credit files, etc.. are in the folders on the desks while we are working on them. We feel the door should be locked and thos...

    Todd’s Answer

    I agree there are no laws directly applying to this situation. But with all of the recent issues of identity theft, etc. it is prudent for anyone who maintains sensitive information to take reasonable steps to protect that information. If the unsecured information is accessed by someone who compromises several of the customers credit information, that could result in an expensive lawsuit for damages.

    See question 
  • I filed chap 13 pro se in GA to stop my leased vehicle from repo. The company repo'd the car didnt leave any info. What can I do

    I had gotten the paper back approving my repayment plan. i did not pay the court fees as scheduled.

    Todd’s Answer

    It is not clear whether or not your case is still pending or has been dismissed. Either way, you need to hire a bankruptcy attorney to review you situation and discuss your options.

    See question 
  • HOW DO YOU OPEN A CHAPTER 13 CASE TO SEEK A TURNOVER ?

    I NEED HELP

    Todd’s Answer

    If you were a debtor in a Chapter 13 case represented by an attorney, you should schedule an appointment to discuss this with your attorney. If you are a creditor or think you need to reopen the case for some reason (other than as a debtor) you should hire an attorney to help you. You may not need to re-open the case, depending upon what you are trying to accomplish.

    www.augusta-bankruptcyattorney.com

    See question 
  • Can my late mortgage payments be added to my current chapter 13 to stop forclosure

    trying to stop forclosure

    Todd’s Answer

    A Chapter 13 filing may be able to provide the opportunity to catch up past due mortgage payments. Most consumer bankruptcy attorneys provide free initial consultations, so you should schedule an appointment sooner, not later, to understand all of your options.

    See question 
  • If my cosigner on my car loan filed bankruptcy, can I return the car?

    The current car I have, my dad is my cosigner. He filed for bankruptcy a few months ago. I want to get a new vehicle but am very upside down on my current car. The bank person at the car dealership told me that since my cosigner filed for bankrupt...

    Todd’s Answer

    • Selected as best answer

    No, that is not liekly true. If you are liable on the note and it does not get paid, the lender can pursue you. If you trade the car in, your will either need to make arrangments to pay the unpaid balance of the loan or expect collection actions from that lender.

    See question 
  • How can I stop a garnishment that is taking more than I can afford to pay?

    With the garnishment taking more than I can afford to pay, I will not be able to make my mortgage payment or other bills due. I have an entry level job and I was basically not making an income for over two years.

    Todd’s Answer

    You need to contact an attorney to discuss this matter. A Chapter 7 or Chapter 13 bankruptcy case may help you deal with this matter to prevent the creditor from garnishing your check to the point that you cannot pay your bills. It may even eleiminate the debt entirely. You can only get solid answers from meeting with an attorney. Most of the time the initial consult is free, so it is worth your time.

    See question 
  • My family's land is contracted out to a gas company. The company is filing bankruptcy, Ch 11. Can we get out of the contract?

    These mineral rights have been past down from generation to generation.

    Todd’s Answer

    I agree that you should consult with a bankruptcy attorney to discuss your rights an options.

    See question 
  • What is the responsibility of a new spouse if the other spouse bought a house before marriage in case of missed payments or fore

    This house is being lived in by my sons new wife's mother and sister, they make the payments but both have recently become unemployed. My son was just approved today by the bank to buy a house in his own name and she will not be on the loan, Since...

    Todd’s Answer

    The house occupants and your son should consult with a real estate/probate attorney to discuss issues regarding planning for the future in the event of death. There are likely many more issues that just this house that can be addressed at one time.

    See question