Dorothy G Bunce’s Answers

Dorothy G Bunce

Las Vegas Chapter 7 Bankruptcy Attorney.

Contributor Level 20
  1. I've heard that people going through bankruptcy can have their homes searched for assets. What can they and cannot search?

    Answered almost 3 years ago.

    1. Dorothy G Bunce
    2. Tom Arany
    3. Shannon E Wynn
    3 lawyer answers

    That horrible ad you saw on tv was pulled by the state bar association as being unethical. Unless the court has some very specific reason to believe that you lied on your bankruptcy paperwork, no one will come to your house to search your belongings. The court has other ways of obtaining information about what you own, but most of the time, the court will accept what you say because your attorney will insist that you tell the truth and your attorney's good name & hard work will help protect...

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  2. Can debt from an unlisted creditor still be discharged?

    Answered almost 3 years ago.

    1. Dorothy G Bunce
    2. Shannon E Wynn
    3. Steven Anderson Leahy
    4. Akindele David Akintimoye
    4 lawyer answers

    If the Trustee did not distribute any of your assets to creditor, there was no harm caused from you inadvertently failing to list this debt. The 9th Circuit, which covers California (and Nevada) case making this decision is called In re Beezley, and is published at 994 F.2d 1433 (9th Cir. 1993). You can also easily find this case and more information about it by doing an internet search. Hope this perspective helps!

    23 lawyers agreed with this answer

  3. Can a creditor deny me future services because I have filed for a Chapter 7 Bankruptcy?

    Answered almost 3 years ago.

    1. Dorothy G Bunce
    2. L. Maxwell Taylor
    3. Michael J Corbin
    4. Eric Charles Lewis
    4 lawyer answers

    Private creditors always have the right to decline providing credit to anyone for any reason. The automatic stay prohibits creditors from taking steps to collect a past debt, but it does not require the creditor to continue to provide you with services on credit thereafter. Hope this perspective helps!

    22 lawyers agreed with this answer

  4. I co-signed for 3 of my grandson's student loans, about $120,000.00. He is unable to pay and the lenders are after me.

    Answered about 2 years ago.

    1. Dorothy G Bunce
    2. David Lloyd Merrill
    3. Ashley Anne Digiulio
    4. Gary D. Bollinger
    5. Robert Parkinson Taylor
    6. ···
    9 lawyer answers

    It would depend on how serious your health problems are, but student loans are unbelievably difficult to eliminate through bankruptcy. I would urge you to consult with the best bankruptcy litigator you can find in your community by using the "Find a Lawyer" search feature here on Avvo. Hope this perspective helps!

    21 lawyers agreed with this answer

  5. I recently filed chapter 7 bankruptcy, it will be a while for me to get a home.

    Answered almost 3 years ago.

    1. Dorothy G Bunce
    2. Stephen Craig Hinze
    3. Thomas John Cesta
    4. Frank Wei-Hong Chen
    5. Bruce Allan Wilson
    6. ···
    6 lawyer answers

    No creditor will lend money to a minor because a child lacks the legal capacity to enter into a contract. Do not attempt to subvert the process by using your child's social security number because you would be committing the crime of identity theft. Hope this perspective helps!

    20 lawyers agreed with this answer

  6. What are the chief differences between Chapter 7 and Chapter 13 bankruptcy?

    Answered over 1 year ago.

    1. Dorothy G Bunce
    2. David Lloyd Merrill
    3. Jeffrey Scott Hyslip
    4. William Joseph Kopp Jr.
    5. Allan J. Rittenhouse
    6. ···
    6 lawyer answers

    In Chapter 7, you eliminate debt and forfeit any property that isn't protected by exemptions available to you under state laws. In Chapter 13, you make monthly payments for 36 to 60 months to a trustee to pay some or all of your debts according to a plan proposed by you and your attorney. People usually file Chapter 7 unless they have too much money left over after paying their living expenses to be eligible for Chapter 7. People usually file Chapter 13 because they have a goal that they can'...

    18 lawyers agreed with this answer

  7. Trustee objects to exemption on Chapter 7

    Answered about 2 years ago.

    1. Dorothy G Bunce
    2. Paula Brown Sinclair
    3. Matthew C Albrecht
    4. John Anton Sterbick
    5. Thomas Martin Morningstar
    5 lawyer answers

    Either obtain an experienced bankruptcy attorney to represent you, research the issue yourself and write and submit a cogent opposition with the court, or try to reach a settlement with the trustee. Hope this perspective helps!

    18 lawyers agreed with this answer

  8. Can i discharge unpaid and un-filed tax debt owed to the IRS?

    Answered about 1 year ago.

    1. Matthew Scott Berkus
    2. Dustin James Wetton
    3. Dorothy G Bunce
    4. Robert Jason De Groot
    5. Jonathan Stone
    6. ···
    7 lawyer answers

    When you don't file your tax returns, you lose any opportunity to discharge the tax debt in a bankruptcy. Failing to file the returns stops the clock on using the time barred opportunity to eliminate the debt in a bankruptcy. Always file a return on time even if you can't pay a single penny of the amount owed. You may want to consider a Chapter 13 which will allow you to pay off your tax debt over 5 years without any interest or additional penalties. Hope this perspective helps!

    17 lawyers agreed with this answer

  9. Homeowners Association Dues and Lien on residence discharged in Chapter 7 Bankruptcy ?

    Answered about 2 years ago.

    1. Dorothy G Bunce
    2. Michael Raymond Daymude
    3. Carl H Starrett II
    4. William James Waters
    5. John Edwin Hinden
    6. ···
    6 lawyer answers

    In many instances, when you owe HOA dues, the HOA will have recorded a lien on the property or will have an automatic lien on your property. These types of liens are called "statutory liens" because they are created according to state laws or statutes. It makes all the difference in the world to answering your question whether the HOA had a lien on your property, because Chapter 7 does nothing to resolve any lien. If you keep the property, you keep the lien. If you lose the property, the...

    17 lawyers agreed with this answer

  10. I know when someone dies the creditors can take money from their life insurance. Does that go for the mortgage company too?

    Answered about 1 year ago.

    1. Dorothy G Bunce
    2. Brett D Weiss
    3. Michael J Corbin
    4. Christian K. Lassen II
    5. Elias Leonard Dsouza
    6. ···
    6 lawyer answers

    No, you are entirely wrong unless you are talking about credit life insurance. Life insurance is paid to a named beneficiary and creditors cannot touch it. If there is a probate, creditors can file claims against the estate for payment. Whoever inherits the real estate is responsible for paying the mortgage. You may want to consult with an estate planning attorney if you are looking to protect your heirs. Hope this perspective helps!

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