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Chirnese Lashaunda Liverpool

Chirnese Liverpool’s Answers

38 total

  • How fast can I have bankruptcy filed and completed if I have all documents that's needed. I have a tax lien and other things.

    I have IRS documents with me of filing years. And I know I will need my credit report also. Can I give power of attorney to have this done? 0nce all pieces are in place , how fast can I have this all behind me? I need this done quick and I'm ready...

    Chirnese’s Answer

    Most attorneys can have your documents filed in 3 days or less if there is an urgency. Feel free to call an attorney and schedule a consultation if you are ready to get the ball rolling.

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  • CASE DISMISSED

    I filed a Chapt 7 bankruptcy and I forgot to include my summary of schedules. The case was dismissed the same day I filed the schedule which was like 3 days after the due date. Can I file an ex parte to reopen the case? and if so Will I keep the s...

    Chirnese’s Answer

    You have 3 options.: 1) file a Motion to reopen the case 2) file a new bankruptcy petition or 3) do nothing. I would recommend that if you choose option 1 or 2 that you use an attorney that can properly prepare your documents for you. Good luck

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  • Can a HELOC 2nd home mortgage be included in Chapter 7 bankruptcy?

    We have been disabled for many years now, finally spending all our savings and going into huge debt. We can no longer manage the payments. We have a 2nd on our home, a home equity line of credit, can that loan be discharged in chapter 7? If not, ...

    Chirnese’s Answer

    I agree with Attorney Fraley and Larkin.

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  • My thanks I have received my CH-7 discharge last week and am very happy with -

    I'm the guy that had to submit at the last moment the second course , it seems all passes through well , I want to thanks for all the support i've got here with all the great attorneys !!! now life after CH-7 I looking to rebuild my FICO to buy my...

    Chirnese’s Answer

    Congratulations on receiving your bankruptcy discharge. There are steps that you can and should take to start to rebuild your credit. And you may even be surprised to know that as little as 2 years after your discharge you MAY qualify for an FHA home loan.

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  • UGMA exempt from Bankruptcy?

    I have UGMA money that I received from my parents when I was a minor. I have never touched the money. I am now in my 30s and thinking of filing Chapter 7. I know my 401k and IRA accounts are exempt, but can the bk trustee go after my assets in ...

    Chirnese’s Answer

    The trustee can go after any assets that are not properly exempted. Disclose this account to your bankruptcy attorney, so they can properly exempt it using California's wildcard exemptions.

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  • Should I try to consolidate my debt or file Ch 13/7 bankruptcy? 26 yr old single mom who needs help!!! PLEASE!

    Over the past months (around 6) I have been unable to pay any of my credit cards; I finally opened all bills and calculated the current amount and it totals about $12,000 , I have no assets except a car that I am still making payments on...I also ...

    Chirnese’s Answer

    If you feel overwhelmed with your debt, you should definitely speak with an experienced bankruptcy attorney who will evaluate your entire situation and determine whether bankruptcy is the best option for you at this time. Plenty of offices offer free consultations, and so does my office. Feel free to reach out for help.

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  • If I file for chapter 7 bankruptcy, would I have to list our home's mortgage as a debt if it is in my spouse's name only?

    I am considering filing for chapter 7 bankruptcy to get rid of my credit card debt. Would I be required to list our home and mortgage as property and debt even if it is in my husband's name only? My husband is the only person on the title. We b...

    Chirnese’s Answer

    Yes, you must list your home mortgage, even if its only in your spouse's name. When filing for bankruptcy you must list all of your and your spouses assets. Whether you will be able to keep the home depends on how much equity (if any) is in the property.

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  • After Ch.7 and auction, Chase is still billing for hazard insurance

    We filed Ch. 7 almost a year ago and the home was auctioned off 2/2013. We keep getting insurance bills from a third party that Chase hired called American Security Insurance Company. The bill for $8964.00 was dated 6/19 so it is pretty recent. Si...

    Chirnese’s Answer

    I agree with Attorney Zerbini. If that doesnt work then, you may have grounds for them violating the automatic stay!

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  • Does an abstract judgement survive chapter 7 BK?

    I filed chapter 7 in 2012 and I still show on county records judgements against my house from 2009 and 2011.

    Chirnese’s Answer

    An abstract judgment survives a chapter 7 bankruptcy unless the judgment was avoided during the course of the bankruptcy. If it was avoided, there are steps that you must take after receiving the Order of the judgment being avoided, to make sure that it is "removed" from your credit report, credit bureaus etc.

    If it was not avoided in the bankruptcy, it can still be avoided by filing a motion to re-open the case, and a motion to avoid the abstract judgment. There is a $260 court filing fee to reopen the case. The attorneys fees to draft the motion will vary.

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  • Filed BK Chapter 7, 341 Creditors Meeting held and attended. What do I need to do after? Please let me know, I filed myself.

    The 341 Creditors Meeting done and I attended. I already submitted the Post Debtors Education Certificate. Please let me know what I am going to do after, note that I file BK 7 myself. I know that I have to wait about 30 days to see if there are c...

    Chirnese’s Answer

    Since you have attended your 341a meeting of the Creditors and submitted your financial management course, the only thing left for you to do is be patient (provided that the bankruptcy trustee files a report of no distribution, and you dont have any reaffirmation agreement hearings or adversary proceedings)

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