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Robert J Adams Jr.
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Robert Adams’s Answers

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  • How to put a lien against my neighbors property before she sales it. She owes me $10k in property damages, she agreed to pay?

    My neighbor doesn't maintain her property so in 10 years her two oversized trees has ripped through my garage roof and torn up my gutters three times. The last time I filed an insurance claim which resulted in my insurance bring cancelled & higher...

    Robert’s Answer

    The only way to be able to place a lien on someone's property is to file a lawsuit and if successful in obtaining a judgment a lien can be placed.

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  • How can I get a civil judgement appealed?

    I filed and had my bankruptcy discharged in 2012. In 2013 I received a notice for court for a 2011 debt. My bankruptcy attorney sent in documentation of bankruptcy to civil court and said I don't need to attend, it was taken care of. Now I check m...

    Robert’s Answer

    Contact your bankruptcy lawyer. First the creditor's lawyer may voluntarily vacate the judgment and dismiss the case. If that does not work he/she can move to reopen the Chapter 7 case and move for sanctions.

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  • What is the procedure for filing a wildcard exemption in Illinois when a creditor sues me and files a turnover?

    A creditor has filed a turnover motion and I recall that I'm entitled to personal exemptions (wildcard). How do I claim the wildcard provision?

    Robert’s Answer

    I am assuming that this is a bank garnishment. Attached is an article about the subject.

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  • How do i file for exemptions on a bank citation?

    A creditor has filed a bank citation against me and I want to claim my bank account as exempt. I need the money in that account for my kids school tuition. It says on the summons that I can file for exemptions the day of the citation hearing but I...

    Robert’s Answer

    Attached is an article about Bank Garnishments. Hope it helps you.

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  • Can I pay a judgement in full to the Will county Illinois court instead of paying the creditor? Small claims judgement

    I want to pay the full judgement amount to the court instead of to the creditor which is an ex friend

    Robert’s Answer

    You have to pay the creditor. You might then file a motion to vacate the judgment and dismiss the case with prejudice and then notify the credit bureaus.

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  • Will my car be repossessed if the loan is in collections?

    I haven't paid on my car loan in over a year. The auto finance company has charged off the loan as a bad debt and the loan is now with a collection agency. Is my car still on the repossession list with the finance company? Can the collection agenc...

    Robert’s Answer

    As Ms. Goldstein stated the car can be repossessed and the debt is not cancelled. Obviously the finance company does not believe it is worthwhile to repossess the vehicle. Depending on the amount of the debt you could be sued. So, what do you want? If you want to keep the car and have other debts you might consider filing a Chapter 13 (I am assuming the debt is over 2 1/2 years) and cram down the car to its value. If you either don't want the car or don't care one one or the other you might consider filing a Chapter 7 to get a discharge of the debt. It seems likely you can still keep the car until it has to be "junked."

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  • Hello, I have a question about chapter 7 bankruptcy.I wanna know can we claim a kid when I get pregnant after we file bankruptcy

    As my husband's salary is over $75,000 and I dont have a job, so we figured one more household may help a lot, as we do plan to start the family even without bankruptcy issue. So we wonder can we claim one more household when I get pregnant after ...

    Robert’s Answer

    While you can only claim persons born alive you can attach a supplement stating that you are pregnant to overcome the presumptions that you are over limits.

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  • Will a chapter 7 remove a city boot and by me time to come up with the ticket money?

    My boot was not removed even after I notified the city attorney that I was in a bankruptcy

    Robert’s Answer

    The best way to handle a ticket problem even after being booted is a Chapter 13.

    See the attached article.

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  • Wage garnishment in Illinois. if I am sued by more than one company can they both garnish my wages at the same time

    Illinois law says that only 15% of wages can be garnished, is that per company or total at any one time, thank you

    Robert’s Answer

    As the other lawyers said the 2nd judgment creditor has to stand in line until the first judgment is satisfied. However that said most judgment creditors do not file garnishment but rather citations to discover assets. The citation gives the judgment creditor other information such as bank accounts if you have direct deposit. The attached article might give you some insight.

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  • Old credit card debt

    Recently my bank received a citation to discover assets and consequently my accounts got frozen. I was told by the creditor's attorney that this is due to a debt I had with BoA. I believe it is from 2007-2008. Is there a way to find out for sure a...

    Robert’s Answer

    As said the statute of limitation runs for a period of time but is tolled when a law suit is filed. Once the judgment entered it is good for 7 years (and can be renewed). The attached article deals with bank garnishments.

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