Neil Sader’s Answers

Neil Sader

Kansas City Bankruptcy Attorney.

Contributor Level 8
  1. HELP!!!! 2nd Chapter 7 Bankruptcy filing Question

    Answered about 1 year ago.

    1. Neil Sader
    2. Derek R. Caldwell
    3. Matthew Scott Berkus
    4. Richard D. Granvold
    4 lawyer answers

    Chapter 13 could be very helpful to you. You are eligible to file and it may also give you the chance to discharge the student loans as a hardship. There are many other benefits you might see too. Contact a Chapter 13 attorney ASAP.

    5 lawyers agreed with this answer

  2. I filed chapter 7 a year ago and want to know if I still have to pay sales tax on a car I turned in on a chapter 7?

    Answered over 1 year ago.

    1. Neil Sader
    2. Gary D. Bollinger
    3. Gregory David Verdibello
    3 lawyer answers

    The question you really are asking, I think, is whether your old sales tax bills are still collectible if you are trying to register another car post-petition? This is a matter of state law. I would ask the question at the County Tax office where you reside. See what they say ... you may want to check with the County Counselor as well depending on the answer.

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  3. Can I stop Discover & collection agencies from harassing me? They have called me for 11 years: morning, noon, evenings & nights

    Answered about 2 years ago.

    1. Neil Sader
    2. Michael A. Goldstein
    3. Gary D. Bollinger
    3 lawyer answers

    In Missouri the statute of limitations on written accounts is 10 years, however it begins to run after the last transaction. So if you used the card at all within the last 10 years the old debt remains collectible.

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  4. Can I request a continuance for a lawsuit brought against me for an unpaid credit card bill?

    Answered 6 months ago.

    1. Neil Sader
    2. Ronald Jay Eisenberg
    3. Gerard William O'Brien
    4. Richard Glenn Elie
    4 lawyer answers

    To me, it sounds as if this is not a small claims case. Most credit card collection cases are in Associate Circuit courts in Missouri. Typically, at the first court date you may appear and ask the Judge for a continuance in order to to retain counsel. If this is your first such request, it should easily be granted. A 30 day continuance is pretty standard. Good luck and make sure to retain counsel as quickly as possible.

    3 lawyers agreed with this answer

    1 person marked this answer as helpful

  5. If i make 27,000 and have 6,500 in medical bills , would a chap.7 be granted in court? i already passed the kansas means test

    Answered over 1 year ago.

    1. Neil Sader
    2. J. Thomas Smith Ph.D.
    3. Dorothy G Bunce
    3 lawyer answers

    There is no minimum amount of debt needed to obtain a chapter 7 discharge. To determine if you qualify, your attorney needs to balance your income, expenses and debts. Now from a practical point of view, typical attorney fees and court costs may be $2,000 +. Given the cost, the question becomes whether you are better off using that money to work out a payment arrangement. Alternatively, if you are being garnished or worried that your car may be repossessed, bankruptcy may be the answer....

    3 lawyers agreed with this answer

  6. I had a ch. 7 bankruptcy in 2006 in which I did a re-affirmation on my mortgage. I am now being transferred by employer and

    Answered about 2 years ago.

    1. Neil Sader
    2. Gary D. Bollinger
    3. Helene Thaissa W. Bergman
    3 lawyer answers

    Yes ... the mortgage company can pursue a deficiency balance as a result of the reaffirmation. A chapter13 bankruptcy may be able to discharge any such deficiency... along with other debts. www.saderlawfirm.com

    3 lawyers agreed with this answer

  7. Can I request partial refund to find another bankruptcy attorney if unhappy?

    Answered about 2 years ago.

    1. Neil Sader
    2. Thomas A McAvity
    3. Ashley Anne Digiulio
    3 lawyer answers

    Not sure whether you are requesting a refund from the Trustee or attorney. Regardless, if your case is dismissed, the Trustee should return money to you that was in the Plan at the time of dismissal. If your case was dismissed you may have an option to reinstate and convert to a Chapter 7 (will save on filing fees) or file a new Chapter 7. As a practicing Kansas City attorney I would be happy to help.

    3 lawyers agreed with this answer

  8. Can Missouri head of family exemption be used in a Joint chapter 7 bankruptcy case?

    Answered 6 months ago.

    1. Neil Sader
    2. Michael J Corbin
    3. Shelley Ann Elder
    3 lawyer answers

    As a Missouri attorney I can confirm for you that you may use the Head of Household exemption under Missouri Statute 513.440 in addition to the wildcard exemption under 513-430.1(3). You can use the Head of Household for a total of $1,950. Best of luck.

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  9. Collection agency says I owe money on a loan that I don't know about now there taking me to court

    Answered about 1 year ago.

    1. Neil Sader
    2. Gary D. Bollinger
    3. Dorothy G Bunce
    4. Michael Rapp
    4 lawyer answers

    It sounds to me as if the Collection Agency has threatened suit, but you are not sure suit has actually been filed. Assuming suit has not been filed, I would suggest you call the Collection Agency and notify them you dispute the debt and request a response in writing. The Agency is obligated to research the claim and report back to you. Hopefully it will resolve the situation favorably. All the best .

    2 lawyers agreed with this answer

  10. How long does it take to file bankruptcy?

    Answered over 1 year ago.

    1. Neil Sader
    2. Alan D. Walton
    3. Dorothy G Bunce
    3 lawyer answers

    My office can easily file a case for you in that time. It really is a matter of whether you can gather the information required within that period of time. However, I can assure you it is very possible to do. I would be happy to be of help. All attorneys at The Sader Law Zfirm practice in Kansas. Nsader@saderlawfirm.com or 816-561-1818.

    2 lawyers agreed with this answer

816-561-1818