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Dede J Agrava
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Dede Agrava’s Answers

9 total

  • How does fault % of our car's driver and the other car's driver affect settlement amount?

    My daughter and I injured as passengers in my uncle's car. My uncle was the driver. No one has admitted wrongdoing. While our insurance is paying for our medical bills, my uncle is trying to locate witness(es) to state that it was the other drive...

    Dede’s Answer

    I understand that when these matters involve a family member we tend to think differently about how to proceed. However, he has insurance for a reason. You need to protect your rights and your daughter's rights. You two are the injured parties. And I believe you need to consult with an attorney as soon as you can.

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  • After a car accident, should I contact the other driver's insurance company?

    I'm not sure if my attorney should be handling all communication, or if I should also be communicating with the insurance company. .

    Dede’s Answer

    As stated in the answers YOU should not be talking with anyone and your attorney should have made that clear. I too wonder why you would post a question here rather than picking up the phone and asking your attorney. The relationship between you and your attorney should feel comfortable or something is wrong. I hope you discuss this with your attorney and get the issues resolved. Good Luck!

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  • Personal Injury Case: Hourly or Contingency

    I was involved in car accident and went to the ER for minor injuries. When having an attorney to deal with this type of small case/negotiations, does the type of fee [hourly- or contingency-based] play in favor for the client?

    Dede’s Answer

    I agree with Mr. Roberts above, Insurance companies have become harder and harder to deal with for soft tissue type injuries. I was a claims adjuster for over 12 years for a major insurance company before I became an attorney. I understand their job perfectly. The majority of personal injury attorneys including myself take their payment out of the settlement they obtain for you. You should not have to pay any upfront fees to the attorney at the beginning of your case. I am in Fresno and would be happy to answer your questions. Should you decide to go it alone I wish you the best of luck.

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  • Amended CA Chpt 7 2 include AZ judgement to pay ex bus debt he pd while we were separated. All bus assets taken over by Trustee

    I received a discharge notice b4 amending chpt 7 to include AZ judgement. My understanding of US BK rules that only a BK trustee can decide whether to discharge a judgement against you not related to taxes, alimony or child support if judgement ...

    Dede’s Answer

    I agree with the Attorney answer above. And for everyone else reading this information-this is a clear indicator why having an Attorney when filing for a Bankruptcy is so important. What starts out as simple-may soon be confusing and may actually cost you more to fix than it would have cost you originally.

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  • Can I take the debtor education course prior to the 341 meeting?

    I recently filed my Chapter 7 voluntary petition, I have about 1 month until my 341 meeting. From what I understand I have to submit my debtor education certificate no later than 60 days after my 341 meeting, my question is can I take the debtor e...

    Dede’s Answer

    Yes. As the previous answers stated it is best to get it done and filed as soon as you have the case number.

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  • Should I still submit my last tax transcript to the trustee even if I havent worked since 2007?

    I am filing for chapter 7, I havent worked for than 3 years, do I still have to submit a tax transcript to the trustee?

    Dede’s Answer

    Yes, it is best to give the Trustee everything he will be looking for. If you have not filed then you need to explain why. The best rule is- if you know he is going to ask then it is better to provide the documentation along with a letter explaining your situation. When it comes to Bankruptcy more information is always better. I agree with the answer above-when it comes to Bankruptcy you should really have an attorney, I get a lot of calls from people who tried it alone and now have a problem with the case. It is much harder to get an attorney to take the case at that stage. Good Luck.

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  • In chapter 7 filing how would I list outstading debt on a vehicle that has already been repossessed?

    I had a car repossessed but still owe money on the loan, since the car is no longer in my possesion would it be considered secured or unsecured?

    Dede’s Answer

    This question has been answered quite well by the above attorneys. It is very important to fill these schedules out correctly. Good Luck

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  • In filing chapter 7 can I add more than one address for one entity on the mailing matrix?

    In filing chapter 7 can I add more than one address for one entity on the mailing matrix?

    Dede’s Answer

    Yes. Remember, if you owe a bank or credit card company and they have turned over your debt to a collection agency you should list them both. Make use of the Notice Only when appropriate. If it is for the same account and you are just not sure which address to use just take the address off of your most recent statement and you should be fine.

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  • How should list two accounts from the same bank on chapter 7 bankruptcy schedules?

    I have two accounts with the same bank (both unsecured debt), on my credit report they are listed separately should I list them separately as well or combine the amounts since they are from the same bank?

    Dede’s Answer

    It is always best to list each account with the last four numbers of the account number. You should list any collection agency as well. The key is to make sure you have all your debt listed. And to make sure the addresses are correct. It is always best to have an Attorney when filing for a Bankruptcy--without the right information you may lose property you may have been able to keep. Prices are reasonable these days---you should check before proceeding on your own. Most attorneys, including myself, offer Free Consultations.

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