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Bradley David Mccormack
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Bradley Mccormack’s Answers

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  • Bankruptcy Question

    If my car is towed and i then file a chapter 7 bankruptcy and surrender the car, am i responsible for the storage fees that occur after my filing? Thank you

    Bradley’s Answer

    If you surrender the car you should be clear of those charges as well.

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  • Is this a scam or am I in some sort of trouble?

    i just got a phone call from an 855 number who said he works for a collection agency law firm. He said his client is 2 hotels in Vegas and that there were substantial damages to a hotel in the amount of $2k. He said the damages were from October a...

    Bradley’s Answer

    This sounds like a scam. Ask to see paperwork if they call back. Most likely they just want money.

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  • How can you stop the disbursement of funds from the sale of a home until all legal financial obligations have been presented?

    X has kept me out of the loop of information with regards to the sale/process of the foreclosure sale that turned to a bankruptcy sale where somehow he was able to exclude me in the decisions of the home. I have made some improvements and need to...

    Bradley’s Answer

    If he went through a bankruptcy you should contact the Trustee who was assigned to his case. He or she will have information on the mortgage and foreclosure process.

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  • Buy a house in BK ch7. What are options?

    House is in Ch7 BK. Owner has surrendered house, Lien Holder will Short Sale, and house is upside down in mortgage. But owner is avoiding Trustee due to another lawsuit where his LLC may get $400,000 (he wants to keep money) So he is advised no...

    Bradley’s Answer

    At this point you should get an attorney to assist you. If the debtor is surrendering the house the first person to have a "chance" at it is the Trustee. If he or she is going to abandon the house, it will go back to the mortgage company after that company gets relief from stay. After that the mortgage company can short sell it, foreclose on it or do whatever it wants. However there are still steps to be taken.

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  • Can I file bankruptcy?

    I fell behind when I had surgery and was out of work for 2 months. I had no health insurance and now I am in debt extremely bad from the hospital bills and a couple other things. I am confused if I can or not. I need help finding a lawyer that is ...

    Bradley’s Answer

    You can definitely file bankruptcy, it's just a question of which chapter you should file. Medical bills are dischargeable and a Chapter 7 bankruptcy would allow you to get rid of them with no payments in about 4 months. That would be a preferable option for your situation.

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  • Minnesota resident being sued in Missouri

    I rented a vacation home in Missouri and they charged me (what I believe to be) an exorbitant amount in damage charges. They offered no proof (receipts, etc) showing why the charges are so high, and they are unwilling to negotiate a lower amount....

    Bradley’s Answer

    If they take the steps to file the lawsuit you risk having judgment entered against you in default if you do not answer the lawsuit. If you answer the lawsuit you can request production of records to see if there is any proof of the actual damages.

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  • I was sued for med bills in 2011. Signed garnishment papers. Lost my job, havnt paid since. Can they take me to jail?

    I went to the debt collectors office which was a law firm. They said they would go to court and speak for me. I gave them 500 that day and signed garnishment papers. Lost my job that year and the garnishment stopped. Am I in contempt and jail time...

    Bradley’s Answer

    No this is a civil case and not a criminal matter. Jail is not the end result.

    However you should consider filing for bankruptcy to eliminate this debt and clean up your credit record.

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  • My husband and I are getting a divorce. Should I file bankruptcy first?

    We have a foreclosure that has already been sold. A vehicle repo. A cell phone bill and a few other things on our joint credit. Should I (or we) file for bankruptcy first? I just want to do what is the smartest.

    Bradley’s Answer

    If you can stand to be together for a few months you should file a joint bankruptcy together. It will eliminate an issue in the divorce and give you both clean slates ahead of the divorce.

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  • I have medical collections and am on Social Security Disability. Can they get a judgement against me and attach my income?

    I have no assets.

    Bradley’s Answer

    Social Security is exempt from garnishment so no they cannot do that.

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  • Am considering filing for bankruptcy due to a medical bill of over $15,000. I thought it was covered by insurance but am told no

    I had been seeing a particular doctor for 8 and a half months prior to birth of my child. Insurance kicked in on Jan 2014 and they said I could keep doctor in what they said was a medical continuance. Now they are saying since out of network I mu...

    Bradley’s Answer

    If your insurance refuses to cover it and you are stuck with the entire bill then bankruptcy is an option. Depending on your income situation you could chose a Chapter 7 which eliminates the debt in a few months or the 13 where you make payments on the debt over a period of 5 years.

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