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Peter Alan Behrmann
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Peter Behrmann’s Answers

109 total


  • I may be filing for bankruptcy soon. I need to know if it should be chapter 7. Help, please?

    I am 53, unemployed, on SSI Disability. I do not own a home or a car. I am in an apartment with a roommate. I have less than $800 per month to live on. I have about $2000 in credit card debt. I've been trying to keep up with payments, but I'm losi...

    Peter’s Answer

    I would not file a bankruptcy for just $2,000 worth of debt. They can not take your social security, and it does not sound like you have any other assets that are able to be taken.

    This does not mean that you will not have to file in the future, but it does not sound like you should file today.

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  • What happens if the Trustee for my ch. 7 bankruptcy doesn't get paid

    I filed my OWN chapter 7 bankruptcy and I really don't have any assets except an old car and a tax refund (dependents/work income). I only work part time so its not like I'm a big money maker. My debts were mostly medical, no credit cards. The T...

    Peter’s Answer

    Since you filed your own bankruptcy you most likely failed to list and protect an asset that the Trustee is now in the process of taking.

    You need to meet with an attorney to see exactly what they are taking. If it is just your tax refund you should have been able to list and protect that, at least you can in Michigan.

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  • After 3 years, my chapter 13 monthly payment has more than tripled. Do I have any recourse?

    my income has increased and I have added one monthly payment, however, I was finally getting by o.k., and now this much of an increase is like buying a second home. I can't afford this. What can I do?

    Peter’s Answer

    If you are no longer able to afford your Chapter 13 payment you should request a meeting with your Chapter 13 Attorney to review your budget and see what can be done to lower your Chapter 13 Payment to a payment that you can afford.

    Your attorney should be able to explain what they can or cannot do to help the payment be more affordable for you.

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  • Graduating Law School

    I will be graduating at the end of the year. However I am staring at stafford loans and parent plus loans. Do any lawyers on this site know of any way to reduce the burden? Can loans be forgiven for pro bono work. I have heard of these things,...

    Peter’s Answer

    Income based repayment. www.ibrinfo.org.

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  • This is a question about bankruptcy.

    I live in New York. If I am having my wages garnished by collection agency, will filling for bankruptcy stop the garnishment?

    Peter’s Answer

    Bankruptcy will stop the garnishment. You may also be able to recover funds garnished within 90 days of the bankruptcy being filed.

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  • My husband is the cosigner on our daughter's student loan that she is behind on. The loan company has garnished our bank account

    Should we close this account as it is one we dont use much anyway? Our other account a at another bank is where we have our monthly dissability and social security checks deposited. Can these be touched? if not then even if we deposit other sma...

    Peter’s Answer

    You should contact the student loan company and ask for a forbearance or a deferment due to your daughters unemployment. Doing nothing with student loans is the worse decision you can make, they will never go away.

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  • Is the liget?

    I received a call from Ss group in wa state.I had a payday loan in 2008 that I couldn't finish paying.They called family members telling them they have 7conplaints on me , and another 3 warrants, when i talked to them they had no local number only...

    Peter’s Answer

    You should request verification in writing. Payday loan companies make bogus threats all the time. Make them prove to you that you own them the debt.

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  • Do you have you be notfied before a wage garnishment is issued to your employer

    i am behind on my hoa fees i have been paying but am not caught up have not received any statements from hoa in four years not even sure what i owe no contact by anyone from hoa or their attorney about the garnishment no warning letter or notifica...

    Peter’s Answer

    In Michigan you receive a letter (Usually at the same time you receive you paycheck) Letter you know who is garnishing you and for what. In Michigan they can only take 25% of your paycheck. Since you are not in Michigan I would contact a collections attorney in your state to see what your options are there.

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  • Can I claim bankruptcy after wining a settlement from the US Government?

    Hi and thank you very much for taking the time to answer my question, my question is----I was going to claim bankruptcy, haven't done so in the past few years because I couldn't afford it, I just received in the mail a settlement from the US gover...

    Peter’s Answer

    • Selected as best answer

    Just because you received a settlement does not mean you can no longer file bankruptcy. The bigger question is how much of the settlement can you keep and still file bankruptcy. Since you live in FL, FL law will control. Your best bet is to get in to see a bankruptcy attorney ASAP, before you spend or move any of the settlement around.

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  • My name only is on the deed but my ex wife is filing chapter 7 bankruptcy can she file on the house if my name is on the deed..

    She has filed chapter 7 but I didn't think she could if her name wasn't on the deed, only on the mortgage. She hasn't had the meeting with the creditors yet, will they tell her she can't use this as an asset if she isn't on the deed. She got the h...

    Peter’s Answer

    All the bankruptcy does is get rid of your financial responsibility from the note. Whoever owes the house via the Deed, still owns the house. Whoever has the mortgage can still foreclose if the payments are not paid. Your ex-wife is just no longer going to be personally responsible on the note.

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