Ryan Cullen Wood’s Answers

Ryan Cullen Wood

Redwood City Chapter 7 Bankruptcy Attorney.

Contributor Level 6
  1. Separated while going through chapter 13 bankruptcy

    Answered almost 2 years ago.

    1. David Patrick Farrell
    2. Brian Crozier Whitaker
    3. Javed Inam Ellahie
    4. Ryan Cullen Wood
    4 lawyer answers

    Yes, you can modify the plan based upon the change in circumstances to include both separate household expenses. Have your attorney file a motion to modify the plan and amend schedule J. Bascially file two amended schedules J, one showing your household expenses and the other one showing her household expenses. It sounds like you need to amend scheule I too regarding the incomes. If you do not have an attorney you should hire one that is familiar with what the chapter 13 trustee accepts...

    1 lawyer agreed with this answer

  2. Can my chapter 13 trustee capture any funds from a annuity sale?

    Answered almost 2 years ago.

    1. Michael J. Ireland
    2. Ryan Cullen Wood
    3. Dorothy G Bunce
    3 lawyer answers

    <a rel="author" href="http://www.westcoastbk.com/ryan-c-wood-bay-area-bankruptcy-attorney.aspx">Ryan C. Wood</a> is Bay Area <a You have ventured into a complicated area of the bankruptcy code. What you do not provide is whether your chapter 13 plan have been confirmed or not. It matters. Also different jurisdictions have different chapter 13 plans. The chapter 13 plan provisions in your jurisdiction may already provide you the answer as to treatment of post-confirmation income of sale of...

    1 lawyer agreed with this answer

  3. Do I have to attend a hearing on a motion for extension of time if I don't have a problem with it being granted?

    Answered almost 2 years ago.

    1. David Patrick Farrell
    2. William James Waters
    3. Walter C Oney Jr
    4. Scott Benjamin Riddle
    5. Virginia Elizabeth Fortunato
    6. ···
    6 lawyer answers

    First, retain an attorney. If you are indeed representing yourself you should attend the hearing whether you oppose the extension of time or not. Most judges will be more cautious if you are representing yourself and may want to hear from you. If you were represented by an attorney and the attorney made no appearance the judge would most likely just assume the motion is not opposed without a second thought. As mentioned above filing a notice that you do not oppose the motion is the nice...

    1 lawyer agreed with this answer

  4. How to clear abstract of judgement due to filing by credit card attorney? Court shows it open case even after bankruptcy ch7.

    Answered almost 2 years ago.

    1. Michael J. Ireland
    2. Brian Crozier Whitaker
    3. Dorothy G Bunce
    4. Ryan Cullen Wood
    4 lawyer answers

    If you do not own any real property who really cares? The lien cannot attach to any real property you acquire post discharge so . . . . . . . But yes, you could have filed a motion to avoid the lien. Obtain a certified copy of the order of discharge and record that with Placer County. Go speak with a title company regarding this issue. Recording the order of discharge should accomplish what you want.

    1 lawyer agreed with this answer

  5. DO BANKRUPTCY TRUSTEES MONITOR YOUR CHECKING ACCOUNT ACTIVITY?

    Answered almost 2 years ago.

    1. Michael J. Ireland
    2. David Patrick Farrell
    3. Ryan Cullen Wood
    4. Derek R. Caldwell
    5. Dorothy G Bunce
    6. ···
    6 lawyer answers

    Yes, no or maybe. In the Bankruptcy Court for the Northern District of California there are a number of Chapter 7 trustees that require the bank account statement that encompasses the date the bankruptcy petition was filed. One requires three bank account statements. If they ask the bank account statements for the six month period prior to the filing of the case you will need to turn them over. So do Chapter 7 trustee's actively or have the means to monitor your bank accounts? No. Can...

    1 lawyer agreed with this answer

  6. Can a mortgage lender call you less than a month after discharge from chapter 13?

    Answered 14 days ago.

    1. Scott Russell Needleman
    2. Dorothy G Bunce
    3. Cecelia J Pollara
    4. Peter R Kaplan
    5. Ryan Cullen Wood
    5 lawyer answers

    Yes, they can call you. You still have a debt with them right? It is what they are calling you about that is the issue. Did the Chapter 13 trustee in your case file a notice of final cure mortgage payment? If not call the Chapter 13 trustee's office and ask why not. Tell your Chapter 13 Trustee to do their job and fiduciary duty. See below. The Trustee hereby notifies all parties-in-interest that the above-referenced Debtor(s) has/have completed all payments under the plan and has/have...

    2 lawyers agreed with this answer

  7. What happens if I file chapter 7 the second time? I last files in 2001.

    Answered 2 months ago.

    1. Derek R. Caldwell
    2. Barry W. Rorex
    3. Robert Leroy Hunt
    4. Shelley Ann Elder
    5. Ryan Cullen Wood
    5 lawyer answers

    You can obtain a discharge every 8 years in Chapter 7. The BARF law or Bankruptcy Act Reform Fiasco was effective in 2005. You will now have to qualify to file a Chapter 7 by completing what is called a means test. The means test takes a six month average of your gross income and compares it to the median income in the state you live based upon the number of people in your household. If your gross income is below the medium for the number of people in your state then you qualify to file a...

    2 lawyers agreed with this answer

  8. BIG tax refund at stake! Spend then file, or file then spend? Car or no car?

    Answered 2 months ago.

    1. Richard Arthur Flume
    2. Orsen E. Paxton III
    3. Derek R. Caldwell
    4. Ryan Cullen Wood
    5. Dana Whitney Atchley
    6. ···
    6 lawyer answers

    No. If you file on Jan. 15 then you will need to exempt/protect the full amount of whatever refund you are due for 2014 to keep the money. There are issues with purchasing a car close in time to filing for bankruptcy protection. You need to review your state's exemptions and speak with a bankruptcy lawyer in your region. Usually playing games with money and assets is a recipe for making more work for you and your attorney for nothing. If your loan is significantly upside down consider...

    2 lawyers agreed with this answer

  9. I have a question about Chapter 13

    Answered almost 2 years 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

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

    Answered 10 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.