Sanaz Sarah Bereliani’s Answers

Sanaz Sarah Bereliani

Los Angeles Chapter 7 Bankruptcy Attorney.

Contributor Level 4
  1. I have a house with 2 units and it has recently gone into foreclosure. Can I file chapter 7, or do I need to file chapter 13?

    Answered over 1 year ago.

    1. Manuel Alzamora Juarez
    2. Sanaz Sarah Bereliani
    3. Dorothy G Bunce
    4. Robert A. Stumpf
    5. Oxana V Kozlov
    6. ···
    6 lawyer answers

    I agree with the attorneys above, however I think the bigger determination in what chapter you decide to file should be based on your intention.... if your intention is to simply postpone the sales date and get rid of any obligation you will have on the house due to the upcoming sale, then Chapter 7 would be fore you potentially. If your intention is to save the property and catch up on the arrearages, then Chapter 13 would be best for you. Keep in mind, however, that doing a chapter 13...

    8 lawyers agreed with this answer

    1 person marked this answer as helpful

  2. I filed chapter 13 2 years ago. I have a step up plan. Last year it got modified to half the payment.

    Answered about 2 years ago.

    1. Michael A. Goldstein
    2. Dorothy G Bunce
    3. Derek R. Caldwell
    4. Sanaz Sarah Bereliani
    4 lawyer answers

    Agreeing with all the answers above I would also add that yes you can modify your plan once again, however, keep in mind that you are responsible to pay back all mortgage arrearages, secured debts (i.e. for cars), tax debt, etc... that was supposed to be paid back in the plan. The only part that is somewhat negotiable at this point is to decrease how much you are paying to unsecured creditors. So if at this point you are paying back 0% to unsecured creditors, then there may not be any other...

    4 lawyers agreed with this answer

  3. Can I file chapter 7 or 13 on the IRS

    Answered almost 2 years ago.

    1. Joseph Wrobel
    2. Sanaz Sarah Bereliani
    3. Alan D. Walton
    4. Peyman Dadmehr
    5. Ruben Fuentes
    6. ···
    7 lawyer answers

    There are a set of criteria that needs to be met in order for a particular tax to be discharged in bankruptcy, such as whether three years have passed since the tax became due? have two years passed since you filed them? Have 240 days passed since they have been assessed? These, especially the last question, is not a simple yes or no question. This requires an experienced bankruptcy attorney to review your tax transcripts to see if there have been any assessments, whether the assessments have...

    3 lawyers agreed with this answer

  4. What are options POST Bankruptcy on Chapter 7 (CA)

    Answered almost 2 years ago.

    1. Jonathan David Leventhal
    2. Sanaz Sarah Bereliani
    3. Ronald Jay Drescher
    4. Frank Wei-Hong Chen
    4 lawyer answers

    As Jonathan Leventhal said, the real estate agent is simply trying to make commission by trying to get you to do a shortsale. At this point that you filed bankruptcy if you do nothing at all and the house falls into foreclosure, you are still protected by your bankruptcy discharge. By doing a shortsale, you are not helping (or really hurting) your credit. A deed in lieu of foreclosure is possible and speeds up the process of turning your home over to the bank... if for some reason you are in a...

    2 lawyers agreed with this answer

  5. What should expect to pay for filing bankruptcy chpt. 7, 13 using and an experienced attorney? Price range?

    Answered about 2 years ago.

    1. Michael Salanick
    2. Malcolm Wallace Ruthven
    3. Tom Arany
    4. Shannon E Wynn
    5. Sanaz Sarah Bereliani
    5 lawyer answers

    I agree with all that Michael said below, and wanted to add that starting this week the charge for a self employed individual filing chapter 13 in CA is now $5000 (instead of $4500). Although the fees for chapter 13 are quite high compared to chapter 7, chapter 13 sometimes provides results and protection that chapter 7 cannot provide and note that this base charge is for the 3-5 years you are in bankrutpcy versus the $1500 - $4000 you may pay in a chapter 7 for a 6 month bankruptcy. Go...

    2 lawyers agreed with this answer

  6. I Am in chapter 13 for 3years and just converted to chapter 7 need to go back to chapter 13 lawyer suspended

    Answered 7 months ago.

    1. Stuart Gregory Steingraber
    2. Derek R. Caldwell
    3. Sanaz Sarah Bereliani
    4. Dorothy G Bunce
    4 lawyer answers

    I would definitely go to the Meeting of Creditors and request a continuance due to the facts you stated... and then schedule a consultation with another attorney that handles chapter 7 and 13 cases so they can determine exactly what you should do. It may be the case that you should convert back ot the chapter 13 and even propose a lower plan payment... or if your circumstances have changed, they may propose that you do not convert to chapter 13 as its not in your best interest at this time......

    1 lawyer agreed with this answer

    1 person marked this answer as helpful

  7. If you have a house and an apartment can you loose them if you file a bankruptcy

    Answered 9 months ago.

    1. William James Waters
    2. Dorothy G Bunce
    3. Sanaz Sarah Bereliani
    4. Brian Crozier Whitaker
    5. Stuart Gregory Steingraber
    5 lawyer answers

    You will not lose the apartment since it is something you are renting. The house you will not lose as long as (a) you are current on it and (b) the amount of equity, if any, is within the limits that can be protected by your bankruptcy attorney. In part (a) - if you are not current with your mortgage, it will not be the bankruptcy court that takes your home but the mortgage company that will ask the court for permission (by way of a Motion for Relief) to foreclose. In part (b) - even if...

    1 lawyer agreed with this answer

  8. Co-sign Bankruptcy

    Answered 9 months ago.

    1. Kevin Bernard Zazzera
    2. Michael Salanick
    3. Dorothy G Bunce
    4. Sanaz Sarah Bereliani
    5. Leonard Roy Boyer
    5 lawyer answers

    Your daughter will not be affected and should still remain current with payments. If she does not they can repossess the car and go after her for a deficiency balance even if you filed bankruptcy. Also note that the creditor may send you a reaffirmation agreement. There is no need for you to reaffirm the debt, so make sure not to so you don't re-obligate yourself on the debt!

    1 lawyer agreed with this answer

  9. Wondering if I am nearing my final payment in my chapter 13 case?

    Answered 9 months ago.

    1. Brian Crozier Whitaker
    2. Carl H Starrett II
    3. Derek R. Caldwell
    4. Courtney Allison Perdue
    5. Sanaz Sarah Bereliani
    5 lawyer answers

    It appears that based on your means test and budget it has been determined that you need to pay back 35% of your unsecured creditors. Once your BofA forgiveness letter came in, you should have filed a Motion to Modify Plan. This would have taken into consideration your current budget and the current proofs of claims outstanding and it would have modified your monthly plan payment amount. Because you did not reduce the monthly payment amount (I am assuming would have dropped greatly) you...

  10. Filed bk chapter 7 today. wage garnishment hits tomorrow. my employer says too late b/c payroll co. prob took it already. Help!

    Answered about 2 years ago.

    1. Mark Markus
    2. Joseph Wrobel
    3. Shannon E Wynn
    4. Daniel Mark Press
    5. Filemon Kevin Samson
    6. ···
    6 lawyer answers

    Based on my experience, you need to file the bankruptcy and get the bankruptcy information to your human resources/payroll department PRIOR to when they process the next payroll. So typically giving them the BK information the day before is too late. Payroll typically processes the payroll a week before the paychecks are sent out. Every company is different, as some process it a few days before. Nonetheless, you need to catch them prior to when it is processed. In this case, I would suggest...