Kelly Hope Zinser’s Answers

Kelly Hope Zinser

Irvine Business Attorney.

Contributor Level 14
  1. My husband an i want to file bankruptcy but don't know where to start

    Answered over 5 years ago.

    1. Kelly Hope Zinser
    2. Jeffrey Daniel Larkin
    3. Raheleh Shakoori
    3 lawyer answers

    Your first step should be to meet with a bankruptcy attorney for a free consultation. Ask for recommendations - often other lawyers know who the good bankruptcy attorneys are. If you do not get any good recommendations, start searching on Avvo. You can do a search for attorneys who offer a free consultation. Meet with the attorney and make sure you are comfortable with them. If not, you can always interview another attorney. I ask my clients to bring me a one page snapshot of the...

  2. Do you believe those credit companies that say they can cut your debt without going into bankruptcy?

    Answered over 5 years ago.

    1. E. Brian Davis
    2. Kelly Hope Zinser
    3. Jeffrey Daniel Larkin
    3 lawyer answers

    You can negotiate with credit card companies yourself to settle your debt. There is a catch - you have to have the money available for the settlement - usually about 25 cents on the dollar. If you cannot make your minimum payments, you probably do not have $25,000 (or more) lying around. My best advice to you is to go and meet with a bankruptcy attorney. Find one that offers a free consultation (you can do this search easily on Avvo). Many time I wish clients would have come to me sooner so...

  3. Is bankruptcy the answer for us?

    Answered over 5 years ago.

    1. Margery Ellen Golant
    2. Kelly Hope Zinser
    2 lawyer answers

    You sound like you all may be good candidates for bankruptcy but unfortunately I do not have enough information. So, I will give you a few pointers that should help send you in the right direction. First, search Avvo to find a lawyer who will offer a free consultation. After meeting with a knowledgeable bankruptcy attorney, you should have a good idea if bankruptcy is the right path for your family. Second, it is most likely that your second mortgage cannot be discharged in bankruptcy....

  4. Do we have to pay our parents' credit card debt when they die?

    Answered over 5 years ago.

    1. Lu Ann Trevino
    2. Kelly Hope Zinser
    2 lawyer answers

    Generally, if there is no money left in the estate you do not need to pay a deceased person's credit card debt. Credit card debt is an unsecured debt so the credit card company has no recourse unlike a lender with a home mortgage. You may want to check with an estate planning attorney in Texas about your parents' situation. If your parents have $45,000 in equity on their home and it is unlikely they will incur additional debts, they may want to file bankruptcy to protect your inheritance....

  5. Bankruptcy and foreclosure in Michigan

    Answered almost 6 years ago.

    1. Kelly Hope Zinser
    1 lawyer answer

    Saving your house is worth a try. I am not sure if you will have enough income to qualify but you should try to obtain a loan modification. Call Hope Now (see link below) for assistance. You will get some FREE expert advice and assitance from them. Right now lenders have enough foreclosures and are looking for creative ways to keep borrowers in there homes - even it means taking a loss. The one thing lenders do not want to do is end up in a situation where the borrower/homeowner will be...

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