Skip to main content
Dorothy G Bunce
Avvo
Pro

Dorothy Bunce’s Answers

19,007 total


  • If you are claiming bankruptcy and are married, but separated do I have to still claim my soon to be ex income or anything

    he owns a house he rents out and a bike... but those of things he had before we married, and things I will not have any access to when we done

    Dorothy’s Answer

    People will say they are separated when they live in the same house but make excuses about being separated, like they don't have sex anymore or he sleeps on the couch, etc, etc. Franky, I am sick of these excuses. Being separated means you actually live at different addresses. If you are actually separated, your spouse's income does not need to be reported in your bankruptcy. But as to your spouse's property, even if you a family court judge, you don't get to conclude what is or is not community property. You must list it all and leave the decision of the characterization of the property to the bankruptcy court. Hope this perspective helps.

    See question 
  • Credit card debt notice

    ok this notice of my credit card debt, I got a letter saying Schlee and STillman LLC has been hired by RSB Citizens to assist them in the collection of the account that I owe:1470 dollars. and have been asked to contact me to determine my intentio...

    Dorothy’s Answer

    There are special courts where attorneys can cheaply file suit to collect small debts and a debt collection firms can file hundreds of cases every week. You can easily search the court records by name of lawfirm or by creditor name to see if this is a bluff. Hope this perspective helps.

    See question 
  • Chapter 13 bankruptcy eligibility

    what is the criteria for filing chapter 13

    Dorothy’s Answer

    To embellish what my colleagues have indicated, chapter 13 is about your GOALS! Do you want to lienstrip? Catch up on mortgage arrears? Pay off priority tax debt? Pay off other priority debt? Chapter 13 is a versital program that can do many things, but it can't do everything. Hope this perspective helps.

    See question 
  • Collection Agency Violating Automatic Stay?

    I filed CH7 Bankruptcy earlier this month on July 7th, on July 22nd, a collection agency reported a medical collection that had already been included in BK under the original creditor. I've never received any dunning notices from the agency or cal...

    Dorothy’s Answer

    Unless you can prove damages, any violation of the automatic stay will usually slide. A creditor's threat to do this or that doesn't mean that they will follow through. Resolving an issue on the credit report is not a difficult matter to resolve. Hope this perspective helps!

    See question 
  • We need a firm pro-business who specializes in business debt collection

    Most of the attorneys I clicked on appear to want to protect the consumer from the big bad business man. Where is the firm who wants to enable the honest business that is getting stiffed/shafted from a small business run by an incompetent busines...

    Dorothy’s Answer

    The volunteer lawyers manning this site do not provide referrals and soliciting for business violates the terms by which we participate in this forum. In most states, solicitation is an ethical violation as well. The find a lawyer search tool can help you find the right match, although you may need to do some extra work. Hope this perspective helps!

    See question 
  • If I'm going to put a lien on a house for non payment can they sue me?

    I run a small lawn service. I had a customer that did not want to pay his closing bill of $65.00. so I have been billing him for approx 6 month with a late fee asking him to pay it and he never replied. I sent him a 10 day demand letter and said i...

    Dorothy’s Answer

    A lien isn't a magic wand that will get someone to pay you. You must have the right licenses to be eligible to file a lien and you must follow proper protocol. Miss a step along the way, and you can pay a pretty heavy price for making this mistake. It is called "slander of title" and you don't want to mess with this. Hope this perspective helps!

    See question 
  • Bankruptcy

    My wife and I are are going to divorce, we have 6 credit cards that are maxed to about 30,000. we have not paid them in almost a year. She wants to sell the house but file bankruptcy first, can this be done? I dont even know if the creditors have ...

    Dorothy’s Answer

    In most states, selling your home before filing bankruptcy is the worst thing you can do because the protection available to protect equity in a home is the second biggest form of protection offered. A title search can determine if there are any liens, and an experienced bankruptcy attorney can remove any judgment liens under the right circumstances. Bankruptcy will give you one less think to fight about, which is who pays these darned credit card debts. Hope this perspective helps!

    See question 
  • Can I get help with a law suit?

    I have a situation in which my divorce attorney left their firm in the final stages of settlement of my divorce. The firm she worked for had assigned me another attorney who did not represent me accruately and did not follow my instructions. The...

    Dorothy’s Answer

    If you want to hire another attorney, this site has a great "find a lawyer" search tool for you to select some possible candidates by reviewing their qualifications. But posting a question is not a way to find a lawyer because the volunteers participating are prohibited from soliciting for your business, which is also unethical. Hope this perspective helps!

    See question 
  • My girlfriend co-signed my car loan. She filed bankruptcy last June. My credit report now reads charge off Is the car free to me

    I have the car. I want to register & insure it. Am I legally allowed? Will I now be responsible for the debt because I was the primary debt holder?

    Dorothy’s Answer

    Very funny! Bankruptcy gives away free cars! My business would boom. The creditor no longer reports the debt or the payments to the credit bureaus. They still hold the title and can repo if they don't receive the payments. And this creditor can sue you for a deficiency after a repo because you didn't file bankruptcy too. Hope this perspective helps!

    See question 
  • How much disposable income should i have left at the end of the month to file chapter 7 on a income of 5800.

    My husband and I make 5,800 a month and our expenses are a month are 5,300. We are in debt over 75.000 and we want to file chapter 7. We have 3 kids and life is getting more expensive now that gas is going up and our teenagers require more expen...

    Dorothy’s Answer

    You have $500 month and over 60 months could pay $30,000 to creditors. So unless your debts exceed $120,000, you won't make the "good faith test" (more information below) and the UST will object to your case. Hope this perspective helps!

    See question