Guy David Chism's Answers

Filing bankruptcy while in the U.S.Navy?

As a legal services attorney for JAG, my answer is going to contradict the non military attorney answers. This question comes up all the time in military service. The old school of thought was that a person filing bankruptcy while serving in the military was frowned upon. With all the foreclosures and credit situations facing our service members today, each situation is being reviewed individually by that service members command. Additionally, security clearances can be adversely affected...

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School goes Bankrupt, new school takes over and wants to collect debt of bankrupt school. Can they do this?

What you need here is clarity as to whether or not you are talking about creditors of the school or debtors. You have not given any facts as to the school name, type of school, accreditation or what type of financial the school has available. Most schools that receive financial aide are governed by the Department of Education and if the school is accredited there are rules for teach outs and how the new school or schools step in and finish out the programs. When schools close, the...

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Bankruptcy

I would immediately arrange for a free consult with a local bankruptcy attorney. that attorney will be required by federally mandated law to give you disclosures regarding bankruptcy that will be a good start towards answering your questions and getting you underway to understanding the process and how to step through the bankruptcy filing. There are viable alternatives to bankruptcy that often can be a very good alternative however that will depend on your individual circumstances and your...

I filed bankruptcy last year, still have a motorcycle that was included with the Chapter 7. Filed in Florida. What to do?

You would best be served by contacting your BK lawyer and reviewing the situation with him/her and ask them to make inquiry for you as to the status of your title or any liens against the vehicle. Your lawyer can advise you on how to proceed further and may even handle the entire thing for you. He/she would have been the one to advise and to work with you on any reaffirmation or surrender if there was such in your case. You paid him/her to represent you and prepare your case so he/she is...

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My bank charges late fees when they "receive" a late mortgage payment of mine. My question is is the payment date the date they

please finish your question and resubmit, its hard to determine from your partial question what your actual issue may be. Thanks!

I have a different first name on my birth certifiate and passport than every other document including social security, license

This answer is not legal advice neither does it create an attorney client relationship, there is no substitute for seeking your own legal counsel. In this day and age, while many people go by many names, you increase the opportunity or probability of being stopped or slowed down when you engage or access any activities requiring positive identification. Many people have stage names or professional names however they carry proper identification that allows them to prove who they are legally...

Can debt collectors access adjoining accounts due to my wife's debts

Your question is a very good one!! This answer is not to be construed as legal advice or retention of my legal services however, depending on the state you live in and the laws of community property you will need to research whether or not your state is a community property state and how debts accrued during a marriage in your state are viewed. I get asked this question alot. I would direct you to a local lawyer or your local law library where you could pull your state statutes and determine...

I've take out a student loan in 1988, I finished school. What I owe 4x as much now. what can I do?

If your student loans are federal student loans, I would direct you to google IBR Student Loan repayment and see if you qualify for the new federal student loan repayment program that is income sensitive. What is unclear is if you can enter this program while still in default. I would call your student loan lender or collector and ask them if you qualify for IBR. www.ibrinfo.org Good Luck!!!