Questions answered by Robert W. Kovacs Jr.

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I am looking to speak with anyone who has included their student loan debt in there bankrupcy.

Robert's answer | Answered on August 26, 2009

I am not licensed in your state but I can offer some general advice. In order to get your student loans discharged you will need to prove undue...

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Best time to file for bankruptcy - during foreclosure proceedings or once you have been served a deficiency judgement?

Robert's answer | Answered on August 26, 2009

I am not licensed in your state but I can offer some general advice. For the most part it won’t matter. If you file your chapter 7 case right...

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Filed bankruptcy jointly with spouse. He is being sued via an adversary proceeding and we have no legal representation. What now

Robert's answer | Answered on August 26, 2009

I am not licensed in your state but I can offer some general advice. Frankly it sounds like you are in over your head and it is time to call...

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What is the difference between ch13 and ch11 bankruptcy?

Robert's answer | Answered on August 25, 2009

I am not licensed in your state but I can offer some general advice. You need to be financially qualified to do chapter 7, if you have either...

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2nd mortgage was reaffirmed. 1st was overlooked. Servicer would not reaffirm after bankruptcy.

Robert's answer | Answered on August 25, 2009

I am not licensed in your state but I can offer some general advice. Reaffirmation is a process by which you take on personal liability for a...

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How long should Chapter 7 bankruptcy take in MA?

Robert's answer | Answered on August 25, 2009

Your situation seems a little unusual. The typical chapter 7 bankruptcy case should be over within 4 — 6 months of filing the case. However, there...

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Does a company (Ford Motor Credit) have the right to garnish you if the debt was included in bankruptcy and not reaffirmed?

Robert's answer | Answered on August 08, 2009

I am not licensed to practice law in your state but I can give you some general advice. YES!!!! This action by Ford is a violation of your...

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How to collect a personal debt from someone filing for bankruptcy?

Robert's answer | Answered on August 08, 2009

I am not licensed to practice law in your state but I can give you some general advice. Your ex’s bankruptcy filing automatically stays you...

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If filing for bankruptcy (chapter 13), should an auto loan be included if there is only 2-3 payments left on it?

Robert's answer | Answered on August 05, 2009

I am not licensed in your state however; I can offer you some general information. The bankruptcy laws are clear you have to list ALL your...

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Can I sell or buy a car private property (cash) during an open bankruptcy?

Robert's answer | Answered on August 05, 2009

I am not licensed in your state however; I can offer you some general information. I guess it all depends on what type of bankruptcy you are...

Robert W. Kovacs Jr.'s Answers (546)

I am looking to speak with anyone who has included their student loan debt in there bankrupcy.

Best time to file for bankruptcy - during foreclosure proceedings or once you have been served a deficiency judgement?

Filed bankruptcy jointly with spouse. He is being sued via an adversary proceeding and we have no legal representation. What now

What is the difference between ch13 and ch11 bankruptcy?

2nd mortgage was reaffirmed. 1st was overlooked. Servicer would not reaffirm after bankruptcy.

How long should Chapter 7 bankruptcy take in MA?

Does a company (Ford Motor Credit) have the right to garnish you if the debt was included in bankruptcy and not reaffirmed?

How to collect a personal debt from someone filing for bankruptcy?

If filing for bankruptcy (chapter 13), should an auto loan be included if there is only 2-3 payments left on it?

Can I sell or buy a car private property (cash) during an open bankruptcy?