Skip to main content
Lois R Beasley-Carlisle

Lois Beasley-Carlisle’s Answers

194 total


  • I live in Alabama and make approximately $75,000 a year but I have a lot of business debt. Can I file chapter 7 and if so who

    I am in over my head. The value of my mortgages are upside down in my investment properties. I need to file bankruptcy.

    Lois’s Answer

    It's hard to say whether or not you could file a 7 without sitting down and interviewsing you in more detail. The means test, your asset values, your income, and your debt load all play a part in this analysis. You may have to file a 13 to get the relief you desire.

    See question 
  • I have filed chapter 7 bankruptcy and I have been discharged, 11/2/14. Is it legal for a step daughter to demand repayment for?

    The step daughter is emailing and texting occasionally, she is asking how I will repay the money to her step mom and sometimes not in a very nice way. I just want this harassment to stop. What action can I take? Is this legal for her to do this?

    Lois’s Answer

    You need your bankruptcy attorney to immediately send your step daughter a letter that she is violating the automatic stay. She could be violating the bankruptcy discharge if the debt to your other relative is dischargeable. There are many factors that come into play when deciding whether the debt is dischargeable. Call and make an appointment with your bankruptcy attorney to get them to send her a letter. We do not know enough facts about the step daughter and the step mother. Why don't you block her phone number. If for some reason the debt is owed and not discharged in the bankruptcy you could possibly have other recourse. Sitting down and talking to your attorney or another attorney is your best advice.

    See question 
  • Need to speak with someone about financial advice on whether or not I should go bankrupt or pay on a judgement.

    Let my start off with a little about myself. I'm 24, I graduated high school in 2010. Since high school I have mainly just been working different jobs, getting by. Recently I've made the decision to start college. I'm planning on going to a local ...

    Lois’s Answer

    Enough of your information did not post here. Its hard to tell whether or not you need to file bankruptcy without a complete review of your financial information, including all debts and creditors, all assets, all contracts, all income and so forth. Myself or any of the bankruptcy lawyers in Birmingham will be glad to sit down with you and discuss your options.

    See question 
  • Should I go bankrupt of pay on judgement?

    In 2008 I had a wreck&w/no insurance. Statefarm sued me for damages, $10k. I had just graduated HS & had no means to pay that& eventually my license was suspended after making no attempts to pay. Thereafter it just became normal for me to illegall...

    Lois’s Answer

    Bankruptcy is definitely an option to consider. The only way we can give you the best advice on your situation is to analyze all of your assets, debts and creditors, obligations, income and sometimes other factors. You definitely need to handle it one way or the other. If you are caught driving and start getting traffic tickets for driving without a license it will compound your problems. We would need to know for example it your debt was dischargeable in bankruptcy. If for example you were driving drunk you may not be able to discharge the debt in a bankruptcy. There are several bankruptcy lawyers including myself that will be glad to sit down with you and help you decide your best course of action. Signing an agreement you do not intend to pay won't work long. They will just suspend your license again.

    See question 
  • How can i have my child support reduced ?

    i work two Jobs, pay rent , pay a car note. don't have enough for food or sometimes my rent.

    Lois’s Answer

    File for a modification in Court. Consult with myself or another attorney to do this.

    See question 
  • My spouse and I file for bankruptcy prior to getting married, neither one has been confirmed, yet,

    Would we need to amend one of the cases and have it combines?

    Lois’s Answer

    Don't do either. Dismisdsing your cases to refile would result in complications such as a second bankruptcy on your credit, a Motion to Extend the Stay being necessary and so forth. Go forward like you have already planned.

    See question 
  • Do we need to file ch 13, ch 7 or hire a tax atty: to deal with St. of. Ala Tax issue. Feel proof in docs covered any tax?

    We have a great house note modification 26 yr 2% fxed, paid for 5 yrs timely. We worked with the State of Ala. for years, We had basically all of docs. Disabled wife hauled so many boxes for audit, it took them months to review. Auditor had to ...

    Lois’s Answer

    You need to hire a tax attorney, a bankruptcy attorney and you can go and talk to the tax advocates office. The last one is free. You will know your options better with consults with various professionals. There is no way to tell you exactly when you are talking about 12 years of docs on this forum. Good luck!

    See question 
  • Can an apartment complex sue me and garnish my wages for a broken lease?

    I signed a lease for a college apartment in March of 2012 and was supposed to move in August of that year. Due to personal reasons, I had to move back home and I would not be moving into the apartment. I never received a key nor do I know which ap...

    Lois’s Answer

    Yes if they took a judgment against you. Go and see a consumer lawyer immediately as you may be able to set the judgment aside if they didn't properly serve you or made other errors in the lawsuit. If you are served with legal paperwork you have to hire a lawyer or defend yourself or judgments like this can be taken. Also if the rent is high and you have other bills and there is nothing you can do about the judgment you could possibly file a bankruptcy - Chapter 7 or debtors court or you could possibly file a claim of exemptions.

    See question 
  • Can a creditor garnish you for a car that you voluntarily turned over 11 years ago? How can I stop it?

    I received a letter stating that the creditor had filed a judgment against me back in 2007 in Birmingham, AL which I had no Idea about until this year when I received the letter. The car was turned in because it was a " lemon" and they did not wis...

    Lois’s Answer

    The two prior answers are correct. Meeting with an attorney about your options is advised.

    See question 
  • Do I need to take my previous landlord to court?

    I have talked to my previous landlord many times about return my security deposit. He claimed he will return my deposit back. He needed my address and I gave him my address. So far, It's been about a year and nothing yet. Should I put small claim ...

    Lois’s Answer

    I agree with the prior response. You have a very short time period.

    See question