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Chapter 7 discharged in July 2010. Never reaffirmed 1st or 2nd mortgage. Have made all payments on 1st and am current.
Sandra's answer
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Answered on May 22, 2014
You cannot make the second mortgage company discharge the second mortgage. You would either need to pay it or do an agreement to settle it with...
Archived
I filed chapter 7 on Monday and my check was still garnished this week how do I get my money back?
Sandra's answer
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Answered on May 22, 2014
First you need to fax a copy of the proof of filing to the creditor that is garnishing the pay and also to your payroll department to get it...
Archived
No homestead exemption bankrutpcy how much cash can I exempt?
Sandra's answer
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Answered on May 22, 2014
It is impossible to answer this question with the information requested. A lot of it depends upon the exemptions that you can claim based upon...
Archived
If I filed for bankruptcy and it has been discharged then I take new job 5 months later is the trustee entitled to my retirement
Sandra's answer
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Answered on May 22, 2014
The retirement asset is generally exempt. Providing the Trustee has not objected to your claim of exemption you should be okay And the Trustee...
Archived
Repercussions to discharging past-due HOA fees in ch.7 if I'm keeping the property
Sandra's answer
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Answered on May 22, 2014
A personal bankruptcy will discharge your personal obligation to pay pre-petition HOA fees but will not rid the property of any security interest...
Archived
In Kansas, is the husband responsible for house payment if the loan was in his wife's name if he's resided in the home for 5 yrs
Sandra's answer
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Answered on May 22, 2014
He would be responsible for the note he signed. Unless there is a pending or commenced Court action resulting in an order saying he has to pay the...
Archived
I am currently in the midst of a Chapter 7 bankruptcy in KY and I am still being garnished for a hospital bill.
Sandra's answer
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Answered on May 21, 2014
You really ought to hire another counsel to assist you if yours is not going to help you. The garnishment should have stopped when you filed. The...
Archived
Does an institution need to be accredited to be considered an eligible institution according to IRS code?
Sandra's answer
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Answered on May 21, 2014
I agree with the other answers - it depends. You need to meet with someone in your area with your loan documents to discuss your specific...
Archived
I was wondering if I could file bankruptcy even though I just went thru a divorce?
Sandra's answer
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Answered on May 21, 2014
You should meet with experienced bankruptcy counsel in your area to review all of your income, expenses, debts and assets to determine whether it...
Archived
I have been discharged from my Chapter 13 however my creditor hasn't released the Judgment lien and I'm trying to buy a house.
Sandra's answer
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Answered on May 21, 2014
You should have filed a Motion to Avoid Lien in your case to avoid the lien. Did you do that? What did your plan say about the lien? If you had...