Ryan Cullen Wood’s Answers

Ryan Cullen Wood

Redwood City Chapter 7 Bankruptcy Attorney.

Contributor Level 6
  1. 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

  2. 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

  3. 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

  4. 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

  5. After pay the lawyers fee and the court cost is there any weekly or monthly fees ??

    Answered over 1 year ago.

    1. Brian Edward Sipe
    2. Michael Anthony Cataldo
    3. Stephen M. Dunne
    4. David B Pittman
    5. Ryan Cullen Wood
    6. ···
    6 lawyer answers

    You have marked the category as "Debt Collection." It sounds like you have filed a Chapter 13 bankruptcy case with a Chapter 13 Plan of 36 months. Assuming that is the case generally most Chapter 13 attorneys will be paid a portion of their attorney fees upfront and the rest is paid or included in the Chapter 13 Plan. As you make the plan payments to the trustee will pay your attorney the remaining attorney fees. You should not be making payments outside the Chapter 13 Plan directly to your...

    1 lawyer agreed with this answer

  6. Progressive insurance is saying I owe them $25,000 for underinsured motorist. If I file bankruptcy, will I still owe this debt?

    Answered over 1 year ago.

    1. Andrew Payne Copenhaver
    2. Michael J. Ireland
    3. Paula Brown Sinclair
    4. Ryan Cullen Wood
    5. David B Pittman
    5 lawyer answers

    With the limited information you provide generally the debt owed to the insurance company should be dischargeable. If alcohol or drugs are not involved then there could be issues. So as already advised, seek the counsel of an attorney in your jurisdiction and provide them with all the facts.

    1 lawyer agreed with this answer

  7. Are HOA debts dischargable that became due after I filed a Chapter 13 petition but BEFORE my conversion to a Chapter 7 case ?

    Answered over 1 year ago.

    1. Carl H Starrett II
    2. Carla Miller Handy
    3. Diane L Gruber
    4. Ryan Cullen Wood
    4 lawyer answers

    See first answer about section 348. I have found that most HOA's do not know their legal rights and neither do their attorneys when you file for bankruptcy. You need to act and act quickly before the HOA causes you more headaches. You need to educate the HOA about the effect of the bankruptcy filing and then conversion so that they do not do this to another homeowner there that unfortunately seeks bankruptcy protection. On the other hand it could simply be an accounting error and a simple...

    1 person marked this answer as helpful

  8. Can I file Chapter 13 bankruptcy for a second time? I want to stay a foreclosure.

    Answered over 1 year ago.

    1. Daniel Mark Press
    2. Gary D. Bollinger
    3. Charles Ross Smith III
    4. Ryan Cullen Wood
    4 lawyer answers

    It really depends upon the jurisdiction you are in. In California I am not aware of the order of dismissal have any language regarding the 180 day rule pursuant to 109(g). Debtors here can file as many cases as they want unless the United States Trustee or Chapter 13 trustee requests the court enter an order barring any future filings for a period of time. Your case will just be dismissed again and the automatic stay will only be good for 30 days unless it is extended so . . . . . <a...

    1 person marked this answer as helpful

  9. I had a $350k judgment and lien on my business and me personally. Will that lien be on every property I own?

    Answered over 1 year ago.

    1. Jeffrey Steven Feinberg
    2. Mitchell Aaron Nathanson
    3. Ryan Cullen Wood
    3 lawyer answers

    Depends upon whether the Judgment Creditor recorded the judgment in the county in which you own the real property. You should really speak to a bankruptcy attorney in your jurisdiction as soon as possible about your options. The timing of filing for bankruptcy could greatly change the result obtained.

    1 person marked this answer as helpful

  10. 1099-C Form

    Answered over 1 year ago.

    1. Michael J. Ireland
    2. Jacob Bair
    3. Ryan Cullen Wood
    3 lawyer answers

    IRS Form 982, IRS Form 982, IRS Form 982 Should the forgiveness of debt you received the 1099-C for really be considered a taxable event would be my first question. Did you ever have to include it as income to begin with? If so, then you have questions to be answered.

    1 person marked this answer as helpful