Robert Ray Teague’s Answers

Robert Ray Teague

Gilbert Chapter 7 Bankruptcy Attorney.

Contributor Level 3
  1. Can HOA where I live forbid me from using common areas while I am under Ch 7 under threat of filing a trespassing police report?

    Answered over 2 years ago.

    1. Robert Ray Teague
    2. Dennis Andrew Chen
    3. Barbara Billiot Stage
    4. Dorothy G Bunce
    4 lawyer answers

    As long as you are current with post bankruptcy petition HOA payments you should be considered by your HOA to be current with that obligation and have no restrictions or services limited by virtue of the fact that you are in bankruptcy.

    5 lawyers agreed with this answer

    1 person marked this answer as helpful

  2. Amending Schedule F, chapter 7.

    Answered about 1 year ago.

    1. Blake Owen Brewer
    2. Christine B. Adams
    3. David Patrick Farrell
    4. Robert Ray Teague
    4 lawyer answers

    The most conservative approach would be to file an amendment to Schedule F correctly listing the creditor and associating the creditor with the correct account number. However, what is really important as far as notice to creditors is that the creditor is scheduled. If the creditor (even if you put the wrong account number or have multiple accounts with the same creditor) is lised at least once on Schedule F, the Bankruptcy Court will provide the creditor with notice that you filed bankruptcy....

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  3. What are the consequences/implications if a chapter 7 bk is closed without discharge?

    Answered about 1 year ago.

    1. Stuart Gregory Steingraber
    2. Scott Benjamin Riddle
    3. Christine B. Adams
    4. Robert Ray Teague
    4 lawyer answers

    Yes, your credit scores would be more likely to improve if you were to file a motion to reopen your Chapter 7 case, take the Financial Management Course (the second part of the credit counseling requirement), and get your debts discharged. Receiving a discharge of the debt showing on your credit will improve your debt to income ratio. As your credit report stands right now it most likely indicates next to each creditor entry a negative credit annotation such as: charged off, collections, etc.......

    2 lawyers agreed with this answer

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  4. I filed chapter 7, 2 years ago and need to surrender my car. I can not afford the payments anymore.

    Answered over 2 years ago.

    1. Paula Brown Sinclair
    2. Jonathan David Leventhal
    3. Bruce Allan Wilson
    4. Guillermo Machado
    5. Scott Jonathan Goldstein
    6. ···
    7 lawyer answers

    Your finance company cannot force you to pay for repairs needed to the vehicle after you have surrendered the vehicle to them. You have no financial obligation or other obligation to the auto finance company. Your personal liability was discharged in bankruptcy. The finance company will be solely responsible to recondition and repair the vehicle in order to get it ready for resale. You have no obligation either before or after surrendering the car to have it in perfect operating condition....

    1 lawyer agreed with this answer

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  5. Can I be forced to pay a replacement vehicle inside the plan when the previous vehicle was paid outside of my banruptcy plan?

    Answered about 1 year ago.

    1. Brian Crozier Whitaker
    2. Dorothy G Bunce
    3. Christine B. Adams
    4. Robert Ray Teague
    4 lawyer answers

    In Arizona it will depend on whether the trustee objects to paying the vehicle loan outside of the plan. The trustees in our district may in fact require post-petition debt be paid through the plan.

  6. What assets are included in a bankruptcy if I file separate from my wife?

    Answered about 3 years ago.

    1. Mark Markus
    2. Pierre George Basmaji
    3. Mitchell Paul Goldstein
    4. Robert Ray Teague
    4 lawyer answers

    The assets included in an individual's bankruptcy estate if one is married, but filing an individual petition depends upon several factors. If you reside in a community property state (such as California, Arizona, Washington, Alaska, Idaho, Louisiana, New Mexico, Texas, Wisconsin) and the property was acquired during your marriage the property is a community asset and should be scheduled on your petition. If your wife lives in a non-community property state or acquired separate property prior...