If you had an attorney represent you in the bankruptcy, you should consult with them. If the security interest in your Best Buy goods is valid, Best Buy must file a replevin action to take back the property. The items you purchased are protected by the Wisconsin Consumer Acts.
Bass is not coming to WI to file a law suit to recover your Best Buy purchase. Send Bass a copy of your Discharge and they will go away!
No, it will not affect your discharge or create any obligation to the creditors discharged in your bankruptcy. A personal injury settlement does not meet the criteria set forth in Sec. 541 (a) (5) acquiring an interest in property within 180 days of filing your case. It wont hurt to ask your attorney that represented you in your bankruptcy and if you hire an attorney for your accident advise them as well.
This is a question to ask your attorney. If you are filing Pro Se, then you must be careful you don't make a preferential payment. You can pay your bills as usual, but don't pay off a credit card in the hopes you can keep that card. Also, you must be careful about paying friends or family members any debts you owe them.
The first thing you should know is you do not need to file bankruptcy. You can but you don't need to file. If you are collecting assistance payments you are probably judgment proof.
Regarding your tax refund, most likely you can keep it and file bankruptcy. An attorney can give you that answer before your case is filed.
Yes, you can. But you'll have to hurry. Once the vehicle is repossessed, the lender only has to wait 14 days to sell the car at auction. Did you own this car during your chapter 7? If so, did you sign a reaffirmation agreement? Those are questions you should discuss with an attorney before you file a chapter 13 to get your car back.
Your lender is not being truthful with you. It does not need a re-affirmed loan in order to refinance. They want to expose you to the liability of the mortgage from which your bankruptcy protected you. I suggest finding a different lender or instead trying to modify your mortgage under a government or internal program.
You are responsible for the property taxes, until the property is no longer in your name. However, if the home is puchased at the Sheriff Sale, the property taxes will be paid from the proceeds of the sale and you will not have to pay them.
You must make sure the home sells at auction. If it does then the city will not come after you for the taxes. If the home does not sell you will be responsible and the city will file an action in Small Claims Court in an attempt to collect the past due...
You do not need an attorney to file a Chapter 128. The court filing fee is around $35. Before you file I'd suggest a few things: go to Green Path Debt Counselors in Madison they do great work, get a consultation from a bankruptcy attorney that does both bankruptcy and Chapter 128, you may qualify for a filing fee waiver for the bankruptcy and the bankruptcy court has a self-help clinic.
Lastly i would say if you file a 128, you may well be able to afford an attorney because the fees are...
Wisconsin is a self-help state when it comes to car repossession. So, if you are in default and the creditor has complied with the Notice provisions of the law, YES they can take your car. Your chapter 7 bankruptcy protects you from the debt associated with the car, but does not give you extra protections for repossession.
If they have not taken the car make sure you keep it in a locked garage until you can confirm they have received your payments. Then make sure you are back on schedule...
You can file bankruptcy to protect your driver's license, but you may have to pay a portion of the debt. Assuming you filed a Chapter 7 in 2009 you can file a Chapter 13 and get a discharge of debt. However, you may have an obligation to your creditors based upon your income. Speak to an attorney in Madison to help you.