Kelly Hope Zinser’s Answers

Kelly has answered 25 questions

• Uninsured and hospitalized, qualify for "discount" but not State or Federal Aid, neither Medicare or Federal Poverty Level.

  Asked by a user in Laguna Beach, CA - over 2 years ago.

  I am sorry to hear that the hospital is not working with you. I agree with the previous posters that you should be elgible to file for a Chapter 7 bankruptcy since the waiting period for another...

  Selected as best answer

• Bankruptcy vs. Foreclosure+Debt Settlement

  Asked by a user in Irvine, CA - over 2 years ago.

  Believe it or not, your situation is fairly normal. A lot of my advice depends on whether you have any liability for deficiencies on your Texas rental properties. I do not know Texas law but I...

  Selected as best answer

• Can a husband hire attorney to represent his wife in bankruptcy case if he has a general power of attorney but doesn't mention

  Asked by a user in San Francisco, CA - almost 2 years ago.

  Whether or not the power of attorney is sufficient will depend on the judge assigned to the case. Some judges require that the power of attorney specify bankruptcy, but many will view the...

  1 lawyer agreed with this answer

• Mom gave me a credit card from her account with my name on it. Am I responsible for the debt?

  Asked by a user in Mission Viejo, CA - almost 3 years ago.

  First of all, I am sorry to hear of your mom's condition. If you are only an authorized user, then you will not be liable for the credit card debt. In this situation, why not be safe and have your...

  1 lawyer agreed with this answer

• CA Probate - neighbor wants to buy vacant house (current owner deceased)

  Asked by a user in Santa Fe Springs, CA - over 4 years ago.

  House sales that are part of an estate are more complicated than a normal sale. They can be relatively easy, assuming you go through the proper channels. Unfortunately, an interested buyer cannot...

  1 lawyer agreed with this answer

• I have a default judgment against me from Citibank filed in 2008. What are my options now?

  Asked by a user in Fountain Valley, CA - about 2 years ago.

  Often creditors will settle for 25 to 50 cents on the dollar, even with a default judgment. Another option is to declare bankruptcy (you would need to speak with a bankruptcy attorney to see if that...

• Is it good to use online service for bankruptcy filing in CA?

  Asked by a user in Irvine, CA - over 2 years ago.

  Be careful with an online service. If you cannot afford an attorney, call the Public Law Center (see the link below). The PLC works with the Orange County Bar Association and has a lot of options...

• What is a means test?

  Asked by a user in Irvine, CA - about 3 years ago.

  The answers above explain the means test but I will add my two cents when it comes to Orange County, CA. The means test is tricky down here because the cost of living is so high but we have to work...

• Bankruptcy and saving grandmothers home.

  Asked by a user in Sacramento, CA - over 4 years ago.

  You sound like you need to talk to a bankruptcy lawyer soon. If there is little value in the mobile home it may be an exempt asset or less legal terms - it may be safe from the bankruptcy court....

• About bankruptcy

  Asked by a user in Santa Monica, CA - almost 2 years ago.

  I agree that it is a bit too early to be considering bankruptcy since you don’t know yet if you are at fault or what, if anything, you may owe. You also asked whether the bankruptcy would affect you....

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