Latife Helen Neu’s Answers

Latife Helen Neu

Seattle Chapter 7 Bankruptcy Attorney.

Contributor Level 8
  1. I'm inquiring if I can stop wage garnishments that are soon to begin? I believe this should have been included in my chap 7 BK.

    Answered 4 months ago.

    1. David Patrick Farrell
    2. Latife Helen Neu
    3. Justin Drayton Graham
    4. Ronald Joseph Weiss
    5. Cindy Lee Hill
    5 lawyer answers

    Your bankruptcy attorney should help you with this; failure to do so is really unacceptable. Your question is a little confusing, but in general, pre-bankruptcy debt should not result in a garnishment. Post bankruptcy debt could, and this would include HOA dues that accrued after the date of filing. Either way, it sounds like you need somebody to go to bat for you. If your attorney is really AWOL, you should try to find someone who can defend you. Ask your local bar association for a list...

    10 lawyers agreed with this answer

    1 person marked this answer as helpful

  2. Does my husband have to pay debts in both our names if I file bankruptcy by myself?

    Answered 3 months ago.

    1. Latife Helen Neu
    2. Richard D. Granvold
    3. Derek R. Caldwell
    4. Dorothy G Bunce
    5. Philip James Beaton
    6. ···
    7 lawyer answers

    Understanding Washington's community property approach to determining the nature of community assets and liabilities is essential to properly answering your question. To cut right to the meat of your question, yes, in your situation a bankruptcy by one spouse (you) will result in the debts being uncollectable against your husband. This results because everything he earns or owns is community property. If he had separate property, or if the community ceases to exist post-filing as a result of...

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  3. Please, I need to know if I can change my mind at the meeting of creditors to officially surrender vehicle eventhough...

    Answered about 1 year ago.

    1. Latife Helen Neu
    2. Jacob D DeGraaff
    3. Minh T. Tran
    4. Alan D. Walton
    5. Robert Michael Fox
    5 lawyer answers

    Your statement of intention is not binding on you. If you do not go all the way through the process of reaffirming the debt, and having the court approve the reaffirmation (if necessary), that debt will be discharged like any other. Indeed, even if you did go through the entire redemption process, you would still have a period of time to change your mind. Your lender may allow you to keep the car if you continue to make payments; this depends on which lender you are dealing with. Good luck...

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  4. I have about 55k of debt. No income due to an injury at work. Can I file BK?

    Answered over 1 year ago.

    1. Omar Mahmoud Badr
    2. Alan D. Walton
    3. Gregory Howard Wiley
    4. Latife Helen Neu
    5. Steven J Reilly
    5 lawyer answers

    While I agree that you may be helped by a chapter 7 bankruptcy, there are good reasons for you to wait to file. After you file your bankruptcy, you cannot file again for several years-- what happens if you are still unemployed and more debt piles up, or if you have an accident and end up with large medical bills? Talk over the timing issues with an experienced bankruptcy attorney to be sure your bankruptcy brings you the greatest possible benefit. Finally, your local bar association may have...

    7 lawyers agreed with this answer

  5. What does "Motion and Order of Default and Default of Judgement" mean for me?

    Answered 16 days ago.

    1. Elizabeth Rankin Powell
    2. Latife Helen Neu
    3. Gordon Charles Webb
    4. Russell Louis Mikow
    5. Paula Brown Sinclair
    5 lawyer answers

    You are on track to deal with your financial situation through your bankruptcy filing, but the time to get proactive is now, not later. If you have a bankruptcy attorney already on deck, ask that person for guidance regarding the motion for default. Depending on your circumstances, it may be worthwhile to take steps to hold off the judgment (I can't tell whether the default has been entered yet, based on your question) while you are getting your bankruptcy ready. Your attorney should be able...

    6 lawyers agreed with this answer

    1 person marked this answer as helpful

  6. Can I file personal chapter 7 bankruptcy if my house is going into forcloser but has not been officially forclosed on. Thanks!

    Answered 2 months ago.

    1. Robert Charles Russell
    2. Shaye Larkin
    3. Latife Helen Neu
    4. Nicholas D. Fisher
    5. Brittany S. A. Cline
    6. ···
    7 lawyer answers

    If you qualify for a chapter 7, either with low enough income or a preponderance of your debt being non-consumer debt, a chapter 7 bankruptcy can delay foreclosure. Be aware, however, that a chapter 7 is merely a means to delay it for a while, not eliminate the threat. The bank could seek relief from stay to foreclose, or could lurk until your bankruptcy is finished and then move against you. Talk to a bankruptcy attorney about whether chapter 7 is your best option under the circumstances....

    6 lawyers agreed with this answer

    1 person marked this answer as helpful

  7. Is bankruptcy recommended for my case?

    Answered about 1 month ago.

    1. Latife Helen Neu
    2. Blake Owen Brewer
    3. Nicholas D. Fisher
    4. Dallas William Jolley Jr
    5. Derek R. Caldwell
    6. ···
    7 lawyer answers

    I just ran your numbers, and with $4200 gross and a household of 3, you appear to barely qualify for a chapter 7 bankruptcy. Based on the facts you have provided, a chapter 7 would seem to be a good option for you. With your house current and no equity, you would keep your house. You should meet with an experienced bankruptcy attorney to discuss your situation in much greater detail and to make a plan that will get you back on track financially. If your income is too high for a bankruptcy,...

    6 lawyers agreed with this answer

  8. Looking for advice on whether Chapter 13 can help...

    Answered about 1 year ago.

    1. Latife Helen Neu
    2. Minh T. Tran
    3. Gregory J. Jalbert
    4. William B. Callahan
    5. Derek R. Caldwell
    6. ···
    10 lawyer answers

    Filing for bankruptcy will stop the garnishment and creditor harassment, and give you some control over your financial situation. In addition, you will be able to address the HOA arrearage. Talk to your attorney about whether there is any possibility of relief from your student loans, but don't count on it. Continue to stay out of trouble with the IRS; this is a bright spot in your scenario. Overall, a filing a chapter 13 is a significant step to take, but would probably be helpful to you....

    5 lawyers agreed with this answer

  9. While you are in Chapter 7 bankruptcy can you accept monetary gifts at Christmas under $300.00?

    Answered 4 months ago.

    1. Latife Helen Neu
    2. Derek R. Caldwell
    3. Arsen Pogosov
    4. Brett D Weiss
    4 lawyer answers

    You can receive gifts of any size this Christmas. Your bankruptcy required you to disclose just about everything about your income, assets, and debts, leading up to the date of your filing. You then had to prove where you stood financially on the date of filing-- think of the information you had to provide to the trustee in advance of your 341 hearing. After the date of your filing, there is nothing stopping you from earning or receiving money. (The exception is an inheritance, which must...

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  10. We filed a chap. 13 a year ago after being told that our wages to too high to file a Chap. 7.

    Answered 6 months ago.

    1. Robert Charles Russell
    2. Darrel Blaine Carter
    3. Latife Helen Neu
    4. David Alan Kubat
    5. Dorothy G Bunce
    6. ···
    9 lawyer answers

    There is an assumption-- indeed, a requirement in most cases-- that your Plan provides for you to pay all of your disposable income into your Plan. When you filed, your attorney ran the numbers based on the household budget that you prepared, and proposed a plan that was consistent with your income and expense numbers. If you are simply trying to deal with unsecured debt in bankruptcy, you should be able to re-visit your Plan payments, and seek a lower payment. Things may get complicated...

    4 lawyers agreed with this answer

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