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Michelle Carmody Kaplan
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Michelle Kaplan’s Answers

2 total

  • How do I know if I qualify to file for chapter 7 bankruptcy?

    I have $55k in unsecured credit card and medical debt and my income is about $50k. Am I eligible to file bankruptcy?

    Michelle’s Answer

    There is no straight forward answer to your question. We should discuss your circumstances, including your income for the past 6-months. If you would like to go through the process and see if you are eligible, please feel free to call me. 425-818-4818.

    Michelle C. Kaplan

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  • My HOA is stating they will sue for past dues (3,000).

    I live in Washington state, over a year ago we walked away from our condo with the advice of an attorney that stated HOA cannot sue they will only put a lein on the condo. it is not currently in forclosure and not sure when the bank will take it....

    Michelle’s Answer

    You remain liable for the HOA dues until your name is removed from the title either by a sale or a foreclosure. In the past HOAs were not typically suing over past HOA dues; however, that has changed over the past several years. You would need to look at your HOA by-laws, but most liklely the HOA may still sue you. You may be able to work out a payment plan with the HOA. You may also want to contact a consumer bankrtupcy attorney in your area to discuss your other alternatives.

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