Archived
I am married but only want to do a Chapter 7 on my credit card bills, do I have to turn in my husbands income or just mine.
Robert's answer
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Answered on March 06, 2013
By law, you have to report all your debts on your schedules D, E &F. If you live with your husband and do not maintain 'separate households' you...
Archived
Can I sue my lawyer for negligence?
Robert's answer
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Answered on March 06, 2013
Did you comply with the attorney's demands for documents and info necesary to complete your petition and schedules? did you complete the credit...
If there are multiple accounts under the same creditor, does mailing the notice to the creditor cover all the accounts?
Robert's answer
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Answered on March 06, 2013
All accounts should be listed under the genre of that creditor on your schedules.
Archived
Is barclaycard secure or unsecured debt ?
Robert's answer
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Answered on March 06, 2013
In the instances where an individual has purchased furniture or electronics, the creditor often has a PMSI in the items, thus making them a secured...
Archived
We have been served with a Notice of Parties Dropped ( std 22 Feb '13 ) and a Certificate of Service ( Std 25 Feb '13 ) .
Robert's answer
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Answered on March 06, 2013
The BK discharged your obligation under the original mortgage agreement, however, assuming you have not paid the mortgage post discharge or have...
Archived
I have a title loan through a payday advance company and they are wanting to repo. Can I file Bankruptcy and save car?
Robert's answer
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Answered on March 06, 2013
You will be afforded protection of an automatic stay, pursuant to S362 of the bankruptcy Code, retroactive from the filing of your petition. As...
Archived
I filed form 8 statement of intent used option ( Other ) paying pursuant original agreement
Robert's answer
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Answered on March 06, 2013
The statement of intention merely reflects your intent to the lender and trustee. All a reaff does is re-create liability on the original debt,...
Bankruptcy Filed , Waiting for Discharge . . . . having issues renting because of it
Robert's answer
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Answered on March 06, 2013
Your lawyer should have explained that your credit would suffer as a result of the BK filing for 1-2 yrs, depending on your post discharge...
Archived
How long after my Chapter 7 bankruptcy discharge (2/13/13) should I wait until ordering a credit report?
Robert's answer
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Answered on March 06, 2013
It takes at least 60 days for the credit beuraus to update. As long as you stay current with the payments, you will be able to keep your vehicle. I...
Chapter 7 and Child Care Expenses
Robert's answer
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Answered on March 05, 2013
Childcare is a legitimate deduction and is allowed on sch j and the means test. The amount , if reasonable, is rarely scrutinized. The fact that...
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