Latife Helen Neu’s Answers

Latife Helen Neu

Seattle Chapter 7 Bankruptcy Attorney.

Contributor Level 9
  1. Contemplating bankruptcy, but debts not appearing on credit report?

    Answered 8 months ago.

    1. Latife Helen Neu
    2. Michael Kasen
    3. Dorothy G Bunce
    4. Richard D. Granvold
    5. David Eli Larson
    6. ···
    7 lawyer answers

    Your credit report is a useful tool, but no more than that. Assume that if any debt is not time-barred, you may be pursued & sued on it. Given your situation as I understand it, bankruptcy is not your only option, but it is likely to be the quickest, least costly way to get a fresh start. Good luck to you!

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  2. Chapter 13 Bankruptcy Question: I have a tic worth about $500K. Is there an exemption I can use to protect it in bankruptcy?

    Answered 10 months ago.

    1. Latife Helen Neu
    2. Richard D. Granvold
    3. Sandra A Kuhn Esq.
    4. Jacob Brian Smith
    4 lawyer answers

    As mysterious as your question is, it highlights the fact that anyone with significant assets really should not consider filing a bankruptcy without the help of an experienced attorney. Exemptions, as well as proper identification, valuation, and disclosure of assets, are only a couple of the issues that can get a pro se filer into trouble. Good luck to you.

    10 lawyers agreed with this answer

  3. Is an AP summons on a BK7 valid if it was filed after the stated Objection deadline on Form 9A?

    Answered 9 months ago.

    1. Latife Helen Neu
    2. Nicholas D. Fisher
    3. Minh T. Tran
    4. Dane L Hines
    5. Allen Preston Turnage
    6. ···
    8 lawyer answers

    The deadline that would govern should be stated on your notice of filing document as "Deadline to Object to Debtor's Discharge or to Challenge Dischargeability of Certain Debts." Under no circumstances would I recommend you ignore an AP without discussing your possible exposure with an experienced attorney. Perhaps your (former?) attorney would consult with you under a new representation agreement, or would recommend someone competent to advise you regarding the AP. You need to figure this...

    9 lawyers agreed with this answer

  4. 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 over 1 year 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...

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

    Answered about 1 year 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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  6. Please, I need to know if I can change my mind at the meeting of creditors to officially surrender vehicle eventhough...

    Answered about 2 years 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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  7. I have about 55k of debt. No income due to an injury at work. Can I file BK?

    Answered over 2 years 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

  8. We paid our ch13 in full, now what?

    Answered 20 days ago.

    1. Latife Helen Neu
    2. Darrel Blaine Carter
    3. Peter R Kaplan
    3 lawyer answers

    There is a declaration you have to fill out regarding domestic support obligations, and you need to complete your Financial Education course, if you have not already done so. Look on the bankruptcy court's website, http://www.wawb.uscourts.gov/, for info on these two requirements. Then I'd recommend you give the trustee's office a call and try to speak with the case manager; explain how you have ended up pro se over the course of your bankruptcy. In my experience, the trustee's office wants...

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

    Answered 12 months 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

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

    Answered about 1 year 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