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Dorothy G Bunce
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Dorothy Bunce’s Answers

19,366 total


  • Bankrupt,Real estate, Elder abuse attorneys

    My grandmother and her daughter(aunt) took a loan out on my grandmothers home countrywide they are both responsible for paying back the loan, the loan company was transferred to a new loan company greentree, my aunt no longer wants to pay the loan...

    Dorothy’s Answer

    If you believe you have evidence of elder abuse, you ought to reporting it to the authorities and not trash talking about your aunt on a website manned by volunteer attorneys. Grandma put a lien on her house when she applied for a mortgage loan. If she pays as agreed, she keeps the house. If she doesn't pay, the house can be sold at a foreclosure auction. The aunts bankruptcy has little or nothing to do with the outcome of this property transaction. She cannot be forced to continue to pay the mortgage except to the extent she wishes to retain ownership. Hope this perspective helps.

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  • Housing association on verge of bankruptcy

    My housing association is on the verge of bankruptcy. I think I have a good case against them for a lot of money, but I'm afraid that if I go all the way to trial and win then they might just file for bankruptcy and I won't be able to get paid on...

    Dorothy’s Answer

    If you obtain a judgment, what assets does the HOA have that a bankruptcy trustee could sell to repay its debts? What savings do they have that they can use to hire a lawyer to file chapter 11? Implementing a special assessment on all property owners would be an obvious choice, but what % would be your share? Hope this perspective helps.

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  • We are 3 years into Ch. 13 and just received a $9k check from my grandfather's estate since he passed away.

    Do I have to report/surrender that to the trustee? Is there a limit on what is report-able as gifts?

    Dorothy’s Answer

    When did grandfather die vis a vis the bankruptcy filing? If he died more than 180 days after your case was file, the money could be yours. What was the source of the inheritance? If life insurance, this money might be protected by an exemption. Provide mor details to get a better answer.

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  • Can a Federal Employee claim a Federal Debt in a Bankruptcy, and the debt be Discharged without losing their job?

    I am a Federal Employee who makes around 70k and started a business designed to provide US Military Veterans jobs. Unfortunately, the expenses compounded and I am in the whole six figures. In addition, I have six figures in student loans and witho...

    Dorothy’s Answer

    You cannot lose a federal job as a result of filing bankruptcy. Bankruptcy laws specifically prohibit discrimination by the government as to employment. See 11 USC sec 525. If you are able bodies, eliminating your student loan debt in bankruptcy is, frankly, pie in the sky. If you have federal loans, you should contact the lender to see what programs may be available outside of bankruptcy to help you to stay out of defaul. Search more on this topic for the phrase Brunner test. Hope this perspective helps!

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  • Can I transfer judgment off cosigner credit?

    My Inlaws cosiged a student loan in 2008. we were never served with papers, but come to find when checking credit reports that a judgment has been placed against both of us for non payment. Is this allowed without actually being served? Also, an...

    Dorothy’s Answer

    To allow an attorney to address the underlying question about this judgment, someone needs to read the judgment and see what it says. Even if you didn't receive notice of the judgment in advance, it may be as good as gold if you moved without informing this creditor or if you hid from the process server. As to the cosigners, only way to eliminate their responsibility for this debt is to pay it off in full. Hope this perspective helps.

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  • I am trying to find a company that will help remove the negative marks off of my credit score.

    Would you recommend Lexington Law or My Credit Group

    Dorothy’s Answer

    No credit repair company can guarantee results and unless you have attempted credit repair on your own, you have no idea how easy the process can be. Frankly, most people believe that removing old derrogatoy information will significantly increase a credit score and that doing this requires secret weapons. I published a 10 part series explaining how credit scoring works & what it takes to fix your score. I will try to post links when I get to my office. Most of it requires you to use credit responsibly from now on, and that takes time. Hope this perspective helps.

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  • Creditor is an LLC that is now suspended. Is creditor's lien on debtor's home still valid? Must it be paid if debtor sells home?

    Creditors put liens on my uncle's home. My uncle now wants to sell his home. The escrow company has received demands from the creditors. One of the creditors was an LLC that is now suspended. (The LLC was likely valid when the lien was obtained?--...

    Dorothy’s Answer

    The escrow company cannot deliver a clear title without paying the lien. Since the lienholder may no longer exist, the money owed may be paid into a court escrow account. Hope this perspective helps.

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  • Can somebody collect money over a 7 to 8 year Debt

    And is also mentioned in a restraining order but it in the whole case was dropped

    Dorothy’s Answer

    It depends. More information about this matter would allow the volunteer attorneys to provide you with an opionion- for example, is there a court judgment? What kind ID debt? When last paid? Hope this perspective helps.

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  • Had some returned check that went to collections in Montana it's been over 8 years I have made payments can I still go to jail

    I have never gone to court. No warrant or arrest or charges were made. I have been out of state for 5.5 years can I still go to jail. Can there still be a warrant put out on me? I have made payments as often as I can.

    Dorothy’s Answer

    This is a question for a Montana criminal defense attorney, not a civil debt attorney. I see few Montana attorneys volunteering on this site & fewer still answering questions out of Nevada. To change the classification of your question required me to post an answer. Hope this perspective helps.

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  • If both my boyfriend and I names are on a vehicle, can he ffile bankruptcy without my permission if I'm the head of the vehicle

    I am the head person of the vehicle but he just told me that he filed bankruptcy. Is this possible?

    Dorothy’s Answer

    Only a child needs permission. Even a spouse doesn't need your permission to file bankruptcy,. Having a vehicle loan together doesn't make you your boyfriend's Mommy. You have absolutely no say. Hope this perspective helps.

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