Hale Andrew Antico’s Answers

Hale Andrew Antico

Santa Clarita Chapter 7 Bankruptcy Attorney.

Contributor Level 11
  1. How should i deal with a collection agency for defaulted student loan?

    Answered almost 2 years ago.

    1. Christian Frederick Paul
    2. Hale Andrew Antico
    3. Marc Gregory Wagman
    3 lawyer answers

    It's never too late to negotiate. While you may not find the student loan company or its collection agency very eager to cooperate, it's worth a try. Remember: they have all the leverage because 1) it's most likely federally guaranteed and nondischargeable in bankruptcy; 2) you're late; and 3) they know that if you have no ability to repay today, you will one day and they're not going anywhere. Having said all that, something is better than nothing, and you are encouraged to get back in...

    3 lawyers agreed with this answer

  2. If I want to wait to file bankruptcy for about 3 months but need to surrender the car right now can I still include it in the bk

    Answered almost 2 years ago.

    1. Hale Andrew Antico
    2. Deborah F Bowinski
    3. Dorothy G Bunce
    4. Parker Evan Bornmann
    4 lawyer answers

    Yes, surrender the car now, and any deficiency balance you might still owe on it can be included in the bankruptcy. I have an office local to you in the Antelope Valley and will give you a free consultation. Contact me and let's plan your bankruptcy the right way.

    3 lawyers agreed with this answer

  3. An orthotics company is threatening to sue my mom for collections. mom has no assets and is on ss and a pension- can they win?

    Answered almost 2 years ago.

    1. Allan Julius Ray
    2. Brian Edward Sipe
    3. Hale Andrew Antico
    3 lawyer answers

    While Social Security is generally safe from garnishment and judgment creditors, pensions are not always safe. You should arrange a consultation with one of the PA attorneys on this page.

    4 lawyers agreed with this answer

    1 person marked this answer as helpful

  4. Chapter 7 Bankruptcy question

    Answered almost 2 years ago.

    1. Steven Keith Brumer
    2. William James Waters
    3. Peter Walter Weston
    4. Hale Andrew Antico
    5. Faezeh Pejman
    6. ···
    7 lawyer answers

    Motor homes are almost always encumbered with a secured debt. If you want to keep the motor home, you'll want to stay on time with the associated debt. So, there is very likely no chance you can file "bankruptcy to eliminate the loan." There may be other reasons to file bankruptcy, however, depending on the other debts you may have. Also note that in Chapter 13, it may be possible to "cram down" vehicle loans to the fair market value of the collateral, possibly saving you thousands of...

    2 lawyers agreed with this answer

    1 person marked this answer as helpful

  5. How can i get off a joint credit card with my ex-husband?

    Answered almost 2 years ago.

    1. Hale Andrew Antico
    2. Theodore Lyons Araujo
    3. Peter Walter Weston
    3 lawyer answers

    Lenders are a bit reluctant to let one person off the hook when they have options to go after more than one person. You can ask, but your expectations should be quite low.

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  6. The bank did not notify me of the garnishment order bank released the money i did not know of it tilli checked my balance witch

    Answered almost 2 years ago.

    1. Eric Charles Lewis
    2. Patrick Begley
    3. William Jay Rose II
    4. Hale Andrew Antico
    4 lawyer answers

    You are not given you notice of a bank levy for the exact reason you'd want it: if you knew, you'd clear the account out. Due process requires that you were supposed to have received notice of the lawsuit, of the hearing, and of the judgment. Each of those triggers gave you a heads-up that your money and assets weren't safe, and typically get people to a bankruptcy attorney's office. If you received no notice at any stage of the litigation against you, perhaps you could set it aside or...

    4 lawyers agreed with this answer

  7. Attorney failed to file Ch.13 paperwork prior to confirmation and now case is dismissed. What are chances court will reinstate?

    Answered almost 2 years ago.

    1. Omar Mahmoud Badr
    2. Hale Andrew Antico
    3. Robert Edward Tardif Jr.
    4. Aaron Thomas Kimbrell
    4 lawyer answers

    Without more information, it's hard to assess exactly what's going on. Yes, you can vacate dismissals and reinstated previously dismissed cases. However, just because it's possible doesn't mean you can, or that you should. If it was a mere clerical error based on the filing of a document, that would seem to be something that should not prejudice the debtor, or at least that'd be my rationale if I were the judge. While you are very upset about your situation, it is most likely not a...

    4 lawyers agreed with this answer

  8. My creditor reported to the county that my house is renting, so that I lost my homestead. Now I move back inside my house.

    Answered almost 2 years ago.

    1. Hale Andrew Antico
    2. Stephen M Trezza
    2 lawyer answers

    Three attorneys already answered your question the other place you posted it: http://www.avvo.com/legal-answers/my-house-lost-homestead-2012-because-i-rent-it-out-966996.html?ref=answer_question_serp_title_6 Tell the truth. And listen to your attorney.

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  9. Hired a bankruptcy attorney. She suggested Chapter 13 and took $1 K up front.

    Answered almost 2 years ago.

    1. Kathryn Ursula Tokarska
    2. Deborah F Bowinski
    3. Hale Andrew Antico
    4. William Joseph Kopp Jr.
    4 lawyer answers

    It sounds like your attorney contracted for the fees for the Chapter 13 case. However, that is not an "all you can eat" for their legal services for the duration of the case. Certain additional tasks are billable, and converting the case to a 7 could be one of those tasks. Lawyers are allowed to bill for their time to do work above and beyond the "normal" services, whatever those may be in your jurisdiction. Ask your lawyer, and/or review their retainer contract for details.

    4 lawyers agreed with this answer

  10. I plan to take my mortgage out of my ch13 but stay in ch13 with other creditors that I owe. Can't the bank still sue me?

    Answered almost 2 years ago.

    1. Hale Andrew Antico
    2. Derek R. Caldwell
    3. Omar Mahmoud Badr
    3 lawyer answers

    You are protected by the bankruptcy. However, if you "take the mortgage out to surrender it," the mortgage company will go around the bankruptcy protection to get its house back. And then the difference, if any, will be added to the bankruptcy as unsecured debt. This new debt may throw your repayment plan out of whack, so adjustments will need to be made. Contact your attorney and let him/her know your intentions so they can file the appropriate documents.

    4 lawyers agreed with this answer