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William P. Turner

William Turner’s Answers

28 total

  • How do I amend schedule f?

    My chapter 7 bankruptcy will be discharged soon but I left 2 creditors off

    William’s Answer

    You should quickly file an amendment listing the crditors you missed. Yuo will need to also file and mail a Notice of Amendment. There will be a filing fee to the Court of I believe $30.

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  • Can I file bankruptcy on payday loan

    8 payday loans

    William’s Answer

    Payday loans are frequently and usually discharged in bankruptcy.

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  • Should we file our back taxes we owe, and go to court for a debt collection before or after we do a bankruptcy?

    My husband and i haven't filed our taxes for 2011 2012 and 2013 we owe about $7000 and now we have creditors suing us too. My husband is 80% disabled veteran 60% from PTSD and I am bi polar. Mentally we both just shut down when it became too over...

    William’s Answer

    Yes, you would need to file the returns to file bankruptcy. Furthermore, many people find once they prepare their returns that they do not owe as much taxes as they or the State estimated.
    You should call for a free consultation with a bankruptcy attorney. Your may or may not need to file bankruptcy depending on whether you have any income that could be garnished outside bankruptcy.

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  • 2005 filed a chapter 7, now lost job no income to pay debts can I file another 7

    I receive social security and unemployment

    William’s Answer

    Yes, you are eligible to file another Chapter 7. Yes, you should get a free consultation with a bankruptcy attorney to decide whether filing bankruptcy is really necessary, as creditors cannot garnish your social security or unemployment.

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  • Should I file for bankruptcy?

    I was approved for SSI this year. The first hospital I was sent to was a private hospital. They misdiagnosed me. I barely remember anything from being there. I couldn't work and I didn't have insurance, and since I was misdiagnosed, I was hospital...

    William’s Answer

    Social Security benefits are exempt from garnishment by your creditors. So, you do not need to file bankruptcy just to protect said benefits, as they are protected even if you do not file bankruptcy. I would encourage you, however, to get a free consultation with a bankruptcy attorney to consider your entire financial situation to decide if bankruptcy would be helpful for other reasons.

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  • Would obtaining a divorce spare my husband and our four young children my medical debt when I die?

    Terminally ill.

    William’s Answer

    A divorce would not cut off your medical creditors from seeking payment from your husband for your medical debts in Kansas. He may or may not need to file a bankruptcy himself. You and he should consider at least obtaining a free consultation from a bankruptcy attorney to consider the bankruptcy that may or may not be necessary.

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  • Considering chapter 7 bankruptcy in Kansas. Question is in regards to paying rent to a family member.

    Mother and I are both on the lease. She agreed with landlord to pay a year up front rather than providing all the financial detail, etc. to help get me into the place. I live alobne with my son....mom was just trying to cosign and help me to get...

    William’s Answer

    All the other answers are correct. While if you just gave money to a relative without receiving anything in return, that would be a problem. However, as long as the money you are paying to your relative for rent is a fair and reasonable amount for rent, you should not have a problem filing bankruptcy in Kansas City, Kansas without the Trustee trying to take money from your Mother.

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  • Bankruptcy???

    Last weekend I fell asleep at the wheel and hit a light pole and totaled my car. I had just cancelled my insurance policy, even though the car is financed. I did this because I was unable to make all of my bill payments and was starting to have to...

    William’s Answer

    Certainly bankruptcy would relieve you of the obligation to pay the car loan. Furthermore, if you were cited for an accident without insurance, your drivers license could be suspended, but a bankruptcy could help with that too. Ultimately, whether you should file bankruptcy is a complicated issue that you should discuss with a bankruptcy attorney.

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  • Can I file bankruptcy on umeployment overpayment do to my error

    In 2006 or 2007 Kansas unemployment investigated my place of employment and found that a lot of employees were not reporting all their earnings. I was one of those because of the way we get paid I wasn't claiming my travel time. They went back cle...

    William’s Answer

    It sounds to me like you owe income taxes for unreported income. Some taxes can be discharged in bankruptcy, with the first requirement being the taxes were due more than three years prior to filing bankruptcy. Thus, you should consult with a bankruptcy attorney to determine whether bankruptcy could provide you with some relief.

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  • What is the limit on how many times a person can file bankruptcy and is the a period of time you have to wait between filing

    Ex. I filed about 15 years ago and how can you find out the last time that i filed

    William’s Answer

    The time is measured from filing, or the beginning of the case, to filing. 8 years between Chapter 7s, a 13 may be filed 4 years after a 7, a 7 6 years after a 13. 13 2 years after 13 (which makes no sense, but it is the law!)

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