Ryan Cullen Wood’s Answers

Ryan Cullen Wood

Redwood City Chapter 7 Bankruptcy Attorney.

Contributor Level 8
  1. Can a mortgage lender call you less than a month after discharge from chapter 13?

    Answered about 1 month 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

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

    Answered 3 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

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

    Answered 3 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

  4. 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

  5. I believe my boss illegally retaliated against me and my company is not acknowledging my complaints.

    Answered 4 days ago.

    1. Ryan Cullen Wood
    2. Lesly Jeanne Adams
    2 lawyer answers

    How have you been harmed so far? Were you terminated from employment there? Have you contacted OSAH about the unsafe working conditions? Before you are harmed you should speak with a local employment law attorney to find out how you should move forward and escalate the issues you are having. See 1102.5 of the California Labor Code regarding whistleblower laws.

  6. Bank of america nicle and dime a when they see your almost out of money 3c , 25c , 35c anso on to charche u is that legal

    Answered 4 days ago.

    1. Michael Charles Doland
    2. Ryan Cullen Wood
    2 lawyer answers

    Unfortunately many banks are charging fees for everything now. You need to stop doing business with large corporate banks and find a local credit union or other bank that actually cares about you having accounts with them. This time around read the fine print carefully so that you know what happens if your account drops below a certain amount.

  7. My business partner had his car repossessed, I unfortunately had personal property in the car including medication that i need.

    Answered 17 days ago.

    1. Ryan Cullen Wood
    1 lawyer answer

    Yeah, two weeks is a long time if your business partner is in fact going to get the car back. The storage fees are piling up if that is true. Under CA law your partner should have received notice of the seizure of the vehicle within 48 hours and yes it should include an inventory. If the personal property is unclaimed for more than 60 days the repossession company can dispose of it. Your partner should receive 10 day notice of seizure and 5 day notice of intent to sell. In theory the...

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

    Answered 11 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.

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

    Answered 11 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...

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

    Answered almost 2 years 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...