Questions answered by Joy Kathleen Munden

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Should I file for bankruptcy and if so which kind?

Joy's answer | Answered on April 16, 2009

You need to talk to an experienced bankruptcy attorney. Generally, student loans are not dischargeable in bankruptcy, and any money you have should...

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Can and should spouse and I file for bankruptcy? If so, what kind and how long does the process take?

Joy's answer | Answered on April 16, 2009

You need to consult with a bankruptcy attorney. It certainly sounds as though you would qualify for a Chapter 7 case, which lasts for about six...

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One of our children on a property we own has outstanding debts. Can a lien be put on the property? We own and pay mortgage.

Joy's answer | Answered on April 16, 2009

Yes, it is a legitimate concern, and you should speak with your lawyer about how to protect your property. The easiest thing would be for your...

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What equity in $ must I have to qualify a stay on my primary home foreclosure for a Chap 13? And if it isn't my primary home?

Joy's answer | Answered on April 16, 2009

Talk to your lawyer! If you have a foreclosure pending in the next few days and you have a lawyer, you should be discussing all these things with...

Archived

What equity in $ must I have to qualify a stay on my primary home foreclosure for a Chap 13? And if it isn't my primary home?

Joy's answer | Answered on April 16, 2009

Talk to your lawyer! If you have a foreclosure pending in the next few days and you have a lawyer, you should be discussing all these things with...

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What are the different types of bankruptcy available and what is the difference between them?

Joy's answer | Answered on April 16, 2009

Chapters 7 and 13 are the normal types of bankruptcy filed by individuals. A Chapter 7 is known as a "liquidation" or "straight" bankruptcy, and is...

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I live in Michigan and was just served papers on a suit against me by a credit card comp. What are my options?

Joy's answer | Answered on April 16, 2009

Stop paying these credit card bills NOW and do not take any money out of your retirement account! You obviously are never going to be able to pay...

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A collection agency has file a law suit against me on a debt that i own chase bank. What option do i have in terms of bankruptcy

Joy's answer | Answered on April 16, 2009

I would suggest you speak to an experienced bankruptcy attorney immediately. Bankruptcy can be a very good option to avoid collection activities...

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There is an acct I know nothing about and it has been years it was opened, now there is a levy against my bank acct.

Joy's answer | Answered on April 16, 2009

It is not necessary for an account to be listed on your credit report in order for it to be a valid debt. However, if you did not receive notice of...

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I let a friend use my credit card to get his company off the ground; there is now 77.000 in debt and it is past due...

Joy's answer | Answered on April 16, 2009

If this is solely your credit card and you authorized your friend to use it, you are absolutely liable for the entire amount of the charges, plus...

Joy Kathleen Munden's Answers (26)

Should I file for bankruptcy and if so which kind?

Can and should spouse and I file for bankruptcy? If so, what kind and how long does the process take?

One of our children on a property we own has outstanding debts. Can a lien be put on the property? We own and pay mortgage.

What equity in $ must I have to qualify a stay on my primary home foreclosure for a Chap 13? And if it isn't my primary home?

What equity in $ must I have to qualify a stay on my primary home foreclosure for a Chap 13? And if it isn't my primary home?

What are the different types of bankruptcy available and what is the difference between them?

I live in Michigan and was just served papers on a suit against me by a credit card comp. What are my options?

A collection agency has file a law suit against me on a debt that i own chase bank. What option do i have in terms of bankruptcy

There is an acct I know nothing about and it has been years it was opened, now there is a levy against my bank acct.

I let a friend use my credit card to get his company off the ground; there is now 77.000 in debt and it is past due...