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Edward George Hanratty
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Edward Hanratty’s Answers

97 total


  • Who has been garnishing my checks

    Will they lower what I owe

    Edward’s Answer

    Ask your employer, they will have paperwork telling them who the creditor is. Then call the creditor and see if you can work it out.

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  • I want to file an adversarial for violations of Chapter 7 Bankruptcy discharge

    6/2011 was personally discharged of my mortgage. 12/2013 loan was sold. I started to receive bills to pay in the previous balance due. It was also listed on my credit report. There was no disclaimer on if you filed bankruptcy to dis-regard. I...

    Edward’s Answer

    Generally sending the mortgage statement is not considered an attempt to collect the debt, but rather notice of the amount of the lien n the property.

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  • >i have posted a few questions on here and here is another please. My attorney who

    Kept threatening to withdraw everytime i asked a question finally got me but good. He sent me an email that he withdrew due to "the client being uncooperative " what a joke.! The kicker is he didnthis 2 days before a relief stay hearing and put t...

    Edward’s Answer

    Generally speaking a lawyer has to ask the judge to release him from the representation. Lawyers can't "quit."

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  • What a bankruptcy judge/court can do to a defendant/s if a hearing exposes the fraud committed by them? Or is beyond this court?

    In an bankruptcy chapter 13, there is an adversary proceeding filed by debtor against the creditors for fraud. There is a hearing is forthcoming and what the court/judge can do to the defendants who's crime/forgery will be exposed. Does the bankru...

    Edward’s Answer

    The bankruptcy court can enter a judgment for damages (there are some technical issues with that, but not worth going into) and unless exempt, the damages would go tot he trustee for distribution tot he creditors.

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  • Do I have to pay an electric bill from 16 years ago?

    I owed 2350,00 to Atlantic Elec from my house in 2000. I sold it. I didn't need elec in my name till 2011. I called when I was moving into an apt in 2010 and was told I had to pay that 1st in full. I put elec in my Moms name. In 2011 I rec'd a sta...

    Edward’s Answer

    Under the utility regulations, they can refuse service until you make a payment arrangement or convenience them to forgive the bill, or discharge it in bankruptcy. They cant file a lawsuit to collect it, but they can refuse service.

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  • I filed chapter 7 but it was closed due to not doing the last credit counseling course.. my car was repossessed last nite.....

    My question is. If i take the course reopen my case can i get my car back or do i have to file chapter 13. My first chapter 13 was converted into this particular chapter 7... i do not have an attorney as of yet but i just would like this question ...

    Edward’s Answer

    It sounds like the car repo and the CH7 are unrelated. If you are behind on you are payments and didn't take action in the Chapter 7 to resolve that debt- you still need to make the regular payments. A Chapter 13 can help you get the car back and get the payment problem fixed.

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  • Can property be seized in sheriff's sale if it was exempted in bankruptcy prior to foreclosure action and not part of mortgage?

    I surrendered my residence property in bankruptcy. Now a new mortgage servicer is foreclosing on the residence property but is also including a separate parcel of land which was exempted in the bankruptcy and never part of any mortgage. Both par...

    Edward’s Answer

    You will have to look at the legal description in the mortgage and on your deed- also called metes and bounds. If they match exactly, the mortgage is likely on both lots.

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  • CAN ADULT SON HAVE SSD REDUCED BECAUSE OF STUDENT LOANS?

    My adult son receives SS Disability. and can no longer work. He had student loans he couldn't afford to pay back since he no longer gets a paycheck. He recently got a letter from "Dept. of the Treasury/Bureau of the Fiscal Service", saying tha...

    Edward’s Answer

    There is a form at the US Dept of Ed site you should fill out.. If he is receiving SSD his student loans are forgiven and the form will let the Dept of Ed confirm his SSD status so they can stop collection action. In about 5 years they will check back to see if he is still on SSD for the forgiveness to continue.

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  • What should I do? Is there a warrant out for me? How can I work out a payment plan? Thanks, Melissa

    Hi, I just reviewed my credit report and found out that I have a Civil claim judgment in the amount of $2,218. I moved out of the country 5 years ago so was not aware of this until I came back to the States and saw this judgment.

    Edward’s Answer

    Call the creditor and ask for a payment plan, they may tell you you have to call the lawyers who handled the matter. You can go to NJcourtsonline.com and see who the lawyers are. A warrant will only issue of the lawyers ask for it, but they may have already. If you are out of the country they may have been sending court papers to your last known address and not getting responses. Also if you were out of the country on government service you have certain rights concerning debts that may help you.

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  • Can you plead a bankruptcy violation in a case in federal court which has also other claims.

    Can you plead a bankruptcy violation in a case in federal district court which also contains other violations and claims? Or do you have to open up a new action in Bankruptcy Court... The case would be in federal court. As the bankruptcy viol...

    Edward’s Answer

    You would file an adversary proceeding (the name for a bankruptcy lawsuit) in the bankruptcy court where the petition is filed.

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