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.
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...
Chances are this is a debt buyer trying to collect from any name associated with the account. Have your daughter send a copy of your discharge papers along with a letter demanding the collector prove she is liable for the debt.
I suggest mailing all the payments with the proper account number on the checks to the 2nd mortgage company. If they return them you'll have no choice but to wait for the mortgage company to act. A non-performing status could lead to a foreclosure. It is just as likely that the mortgage company would write off the loan and not pursue foreclosure because of the first mortgage.
Yes, you and get rid of the lien by filing bankruptcy as long as you have less than $150,000 of equity in your home. It can happen in both chapter 7 and chapter 13 cases.
Instead of refinancing you may want to consider using the bankruptcy court's Mortgage Modification Mediation program if you need a lower mortgage payment. My office can explain the program to you and examine what financial strategy will best meet your needs.