Ryan Cullen Wood’s Answers

Ryan Cullen Wood

Redwood City Chapter 7 Bankruptcy Attorney.

Contributor Level 5
  1. I have a question about Chapter 13

    Answered over 1 year ago.

    1. Karen Jackson Porter
    2. Charles E. Glanzer Jr.
    3. Marc Gregory Wagman
    4. Derek R. Caldwell
    5. Ryan Cullen Wood
    5 lawyer answers

    First, you should always contact your attorney with questions like this. The bankruptcy court and trustee's office do not represent you. While you have questions about the unsecured plan base the bottom line is your monthly Chapter 13 Plan payment has remained the same. If there was a problem with your plan the trustee's office would normally recognize this a long time ago and let your attorney know the plan is not feasible. If the plan was not feasible as filed it should not have been...

    2 lawyers agreed with this answer

  2. Ch 7 or Ch 13? Don't want to keep house, make 100k

    Answered 5 months ago.

    1. Derek R. Caldwell
    2. Alan D. Walton
    3. Stuart Gregory Steingraber
    4. Hermin A. Dowe
    5. Michael Salanick
    6. ···
    7 lawyer answers

    As provided by another, if you want to catch up on your missed mortgage payments and keep your house you need to file a Chapter 13 case. Passing the means test and qualifying Chapter 7 all depends upon your income and expenses. You need to first determine if you are going to keep your home or not. Then go from there.

  3. Can I be 6 days late in my chapter 13 payment?

    Answered 5 months ago.

    1. Michael Christopher Burr
    2. David Alexander Yomtov
    3. Blake Owen Brewer
    4. Stuart Gregory Steingraber
    5. Richard D. Granvold
    6. ···
    8 lawyer answers

    Speak with your existing lawyer. That said, Just the call the trustee's office and tell them you are going to make the payment 6 days late. It is that simple and that easy. I file case regularly in the San Jose Division. They will even enter into repayment agreements with you if you get behind on 3 or 4 payments without ever filing a motion to dismiss the case for nonpayment. Again, all you or your attorney need to do is communicate with the trustee's office. This is true for the Chapter...

  4. Filed a quiet title suit in Oct 2012. I also filed wrongful foreclosure previously which was dismissed with prejudice in 5/2011.

    Answered over 1 year ago.

    1. Justin Drayton Graham
    2. Ryan Cullen Wood
    3. Matthew Scott Berkus
    3 lawyer answers

    I have not come across a client yet that had a legitimate case against their lender. That does not mean that you do not or they do not exist. What I keep seeing is thousands of dollars in legal fees spent on lost causes and then lost homes in the end. I do not know where the fault lies regarding the mortgage crisis, but I do know you probably just had bad timing. You bought a house and then the value went down instead of up. If you had an interest only mortgage that is a whole different...

  5. Where is the statute that allows HOA's to collect on discharged Chapter 7 debt when there was no lien recorded pre - petition ?

    Answered over 1 year ago.

    1. Ryan Norman Singleton
    2. Jacob Bair
    3. Ryan Cullen Wood
    3 lawyer answers

    Well, are you talking about pre-petition HOA dues or post-petition bankruptcy dues? If they are post-petition HOA dues then: Exceptions to discharge: Section 523(a)(16) for a fee or assessment that becomes due and payable after the order for relief (generally after the bankruptcy petition is filed) to a membership association for as long as the debtor has a legal, equitable, or possessory ownership interest in the property subject to the fee or assessment. The order of relief is you filing...

    1 lawyer agreed with this answer

  6. I surrendered a leased vehicle in my Chapter 7 filing. When does the leasing company (Audi Financial Services) collect the car?

    Answered over 1 year ago.

    1. Derek R. Caldwell
    2. Francisco Javier Gonzalez
    3. Matthew Erik Johnson
    4. Ryan Cullen Wood
    4 lawyer answers

    I also agree but more strongly believe Audi did not receive notice property. Normally when a vehicle is surrendered you will hear from the loan company at least prior to the discharge order being entered. So the answer is the same: contact Audi and give them notice of the bankruptcy then ask for the best place to drop the vehicle off at and move on with life debt free!!! <a rel="author" href="http://www.westcoastbk.com/ryan-c-wood-bay-area-bankruptcy-attorney.aspx">Ryan C. Wood</a> is a...

    1 lawyer agreed with this answer

  7. I think my bankruptcy totally messed up my Chapter 13. Can I find another attorney and refile my Chapter 13

    Answered over 1 year ago.

    1. Dorothy G Bunce
    2. Becky A Moshier
    3. Diane L Gruber
    4. Paula Coleman Greenway
    5. Ryan Cullen Wood
    5 lawyer answers

    Has your Chapter 13 Plan been confirmed? If so, how was it confirmed when the mortgage arrears owed is not clear? You do not necessarily have to go before the judge, but at some point you have to if you cannot agree with the mortgage company on the amount of missed mortgage payments. It should be pretty easy to be able to prove the payments you made and the payments you did not make . . . . . . . It is not necessarily your attorneys fault either. There are issues sometimes with how...

    1 lawyer agreed with this answer

  8. I am currently in a bankruptcy and already had my 341 meeting. I had to get a 722 redemption loan to break a cross

    Answered over 1 year ago.

    1. Derek R. Caldwell
    2. Roger Jon Yehl
    3. Dorothy G Bunce
    4. Matthew Scott Berkus
    5. Ryan Cullen Wood
    5 lawyer answers

    What is the percentage rate of the new loan is what I want to know. I usually recommend clients just surrender the vehicle when loans are crossed up. It is just a car. Some do, some do not. I have found that the 722 loans have very high interest rates and clients do not save a whole lot of money. Like another attorney said, everyone wants to make money. You WILL be able to get a car loan. <a rel="author" href="http://www.westcoastbk.com/ryan-c-wood-bay-area-bankruptcy-attorney.aspx">...

    1 lawyer agreed with this answer

  9. What happens to surrendered propety in a Chapter 13 Bankruptcy plan?

    Answered over 1 year ago.

    1. Dennis Andrew Chen
    2. Lewis Matthew Roberts
    3. Scott Benjamin Riddle
    4. Jacob Bair
    5. Diane L Gruber
    6. ···
    6 lawyer answers

    Your landlord in financial turmoil and now has dragged you into it. If you have been making your rent payments all this time you would hope the landlord was making the mortgage payment. Not always the case. If you want certainty give notice and move out now. If you do not care and can roll with the waves stick around and see what happens. You should receive notice if you need to move either by your landlord or the mortgage company if they foreclose on the property. <a rel="author"...

    1 lawyer agreed with this answer

  10. Can we get 401k out to pay off chapter 13 due to hospital bills and unexpected lay off?

    Answered over 1 year ago.

    1. John Caldwell Rogers
    2. Diane L Gruber
    3. Orfelia Maria Mayor
    4. Ryan Cullen Wood
    4 lawyer answers

    This is a jurisdictional issue. You need to speak to your attorney and find out what the Chapter 13 trustee's office will allow regarding plan modifications. You are allowed under the Bankruptcy Code to modify a plan to pay it off early. What differs is what are you going to have to pay? <a rel="author" href="http://www.westcoastbk.com/ryan-c-wood-bay-area-bankruptcy-attorney.aspx">Ryan C. Wood</a> is Bay Area <a href="http://www.westcoastbk.com">bankruptcy lawyer</a> and has been...

    1 lawyer agreed with this answer