Questions answered by Christopher H Mccormick

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I own my home free and clear in California. If I have to file for Chapter 7 will they make me sell it for credit card debt?

Christopher's answer | Answered on November 11, 2009

First, you need to consult with a CA bankruptcy atty. to determine the state homestead exemption for CA. Since there is no mortgage or liens on...

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Filed Chapter 13 in August 2005, was paying regularly on time until August 2008 when husband lost his job.

Christopher's answer | Answered on February 04, 2009

I reread the heading of your question and realize my prior answer was off base. Sounds like you missed your trustee payments and there is pending...

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Filed Chapter 13 in August 2005, was paying regularly on time until August 2008 when husband lost his job.

Christopher's answer | Answered on February 04, 2009

Not clear on what you need to appear for, most likely, your creditor's meeting, if so, contact your attorney to get continuance if you still want...

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Can they take your tax refund when you file a chapter 7 bankruptcy?

Christopher's answer | Answered on February 04, 2009

Based on fact you rent where you own you can use to its full extent the "wild card" exemption of $10K plus under the federal exemptions of the BK...

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We filed a chapter 13 in 2003, and had to file again dec 2008. Can we flip the 13 to a chapter 7? What is the time frame.

Christopher's answer | Answered on February 04, 2009

If your 2003 Chapter 13 was dismissed you are able to convert to Chapter 7 now and obtain a discharge if you qualify for one. If you received a...

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DSO and chapter 13

Christopher's answer | Answered on January 30, 2009

If this monthly payment was no alimony it may be construed as part of a property settlement between you and you ex-spouse. Suffice it to say the...

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Can I convert a chapter 13 to a chapter 7

Christopher's answer | Answered on January 30, 2009

I would also add that I'm not sure what caused you to file Chapter 13, but if you filed due to a foreclosure and your property is worth less than...

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I have lost my job and am on SSD because of cancer. As a result I am unable to pay my debt or file bankruptcy.

Christopher's answer | Answered on January 29, 2009

This is ultimately a quality life decision for you. If you’re truly judgment proof i. e. you have no assets which can be garnished or attached you...

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I AM A sole proprietor,

Christopher's answer | Answered on January 29, 2009

I'm assuming that you are seeking to terminate your unsecured debt like credit card debt etc. by filing a Chapter 7 bankruptcy. Based on your list...

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Can i return my car after my 2008 bankruptcy discharge?

Christopher's answer | Answered on January 29, 2009

If no reaffirmation agreement was signed by you and filed with the court prior to your discharge this debt has been discharged and you can return...

Christopher H Mccormick's Answers (140)

I own my home free and clear in California. If I have to file for Chapter 7 will they make me sell it for credit card debt?

Filed Chapter 13 in August 2005, was paying regularly on time until August 2008 when husband lost his job.

Filed Chapter 13 in August 2005, was paying regularly on time until August 2008 when husband lost his job.

Can they take your tax refund when you file a chapter 7 bankruptcy?

We filed a chapter 13 in 2003, and had to file again dec 2008. Can we flip the 13 to a chapter 7? What is the time frame.

DSO and chapter 13

Can I convert a chapter 13 to a chapter 7

I have lost my job and am on SSD because of cancer. As a result I am unable to pay my debt or file bankruptcy.

I AM A sole proprietor,

Can i return my car after my 2008 bankruptcy discharge?