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Gary D. Bollinger

Gary Bollinger’s Answers

3,679 total


  • Who pays rent /repairs or is it a wash?

    Grandmother left property in two sister's name. One of the sisters who resides was willed all the contents of the home. She pays all utilities, maintains yard and property taxes. The other sister who resides elsewhere pays home owner insurance....

    Gary’s Answer

    Generally, co-owners of property have an equal right to occupy property and no rent would be due.

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  • Unsecured credit card debt,what do I do?

    I have health problems and on Social Security. My health supplement insurance is very high. The credit cards debt(unsecured) is high and I can not pay it. The credit card companies want work with me. Should I take out a loan on my house and m...

    Gary’s Answer

    Your homestead exemption, if any, will be critical in determining the viability of a bankruptcy. I hope you have consulted with a bankruptcy attorney on this issue.

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  • Missouri Homestead Act for inherited land?

    There is a stipulation in my student loans that I default if my (94 year old) cosigner passes, even if I am in good standing; therefore, unless I come up with more than $100,000, it is unlikely I will be able to own land (and save $10,000 annually...

    Gary’s Answer

    The homestead exemption can be claimed by an owner of property who resides on the land. The exemption is currently $15,000 under Missouri statute.

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  • Homestead Exemption and Student Loans

    I own one acre (approximately $2,000) along with two old campers (approximately $3000) in Missouri. I have about $20,000 in private student loans (Navient) and $60,000 in federal student loans (Great Lakes) gained during attendance at a for-profit...

    Gary’s Answer

    You wrote, "Is it automatically safe without filing paperwork?" Unlike some states, a formal filing of declaration of homestead is not required in MO.

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  • Chapter 7

    I went over budget because i spent 500.00 dollars on an appraiser and now im short On cash. Can i use credit card to buy food.

    Gary’s Answer

    If you use a credit card shortly before filing chapter 7 bankruptcy, you open yourself to an adversary proceeding to have that debt excepted from discharge.

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  • My semi truck was towed by the county the guy i bought it from somehow got it out and wants me to pay him $4.500 to get it back

    i brought a semi truck from a guy last year. i parked it in my apartment complex and the local police towed it. i went and got the release form and went to get it out the tow yard. i then found out the guy i bought it from already got it out and i...

    Gary’s Answer

    Get a copy of the towing authorization: it will make a difference in who, or whether, you will be able to sue.

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  • Mobil home park has filed lien on my home after we filed bankruptcy.

    mobil home park has filed lien on my home 4 days after I filed bankruptcy to keep me from moving my home to another community and has also included the lien holder. Can they stop the home from being moved and can I file something to have this lien...

    Gary’s Answer

    It would be helpful if you added to your question (by editing) the reason or nature of the lien...what it was for.

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  • Will Chapter 7 help remove a foreclosure!

    I'm wanting to file bankruptcy. Chapter 7. On my credit report I have alot of collections, late payments, etc, and a foreclosure. Also I had to go to magistrate court because I couldn't pay one of my credit card loans. It was from one of the recov...

    Gary’s Answer

    The foreclosure will not be removed,,but it's effects can be mitigated by a bky discharge.

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  • Can I stop my wages from being garnished?

    My wages are being garnished from an unpaid student loan from many years ago. Is there a way to stop this?

    Gary’s Answer

    Is the garnishment administrative or arising from a court judgment?

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  • What type of lawyer do I need for a unpaid car loan?

    My husband lost his job and we were unable to finish paying the loan. Now that we are stable we are looking to start paying it off quickly. Without garnishment

    Gary’s Answer

    Obtain a credit report to see who currently owns the loan, it may have been sold to a debt buyer.

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