Archived
A 2002 debt default judgement against me has been vacated in 2012? Now they cannot sue me because of statute of limitations?
Michael's answer
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Answered on January 19, 2013
It really depends on the wording of the order vacating the default.
Archived
I owe $10K+ to IRS, $1k to NYS, $95k to student loans. Can bankruptcy help me with this?
Michael's answer
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Answered on January 18, 2013
I agree with my colleagues. Unless your taxes are 2 or 3 years old depending on whether they were filed and on time, it does not appear that you...
Archived
How Much Should I Expect To Pay To File Bankruptcy in NYC?
Michael's answer
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Answered on January 18, 2013
Why 3 - 4 years experience. Is that how you look for a doctor?
If you are able to make the decision that your case is so simple a 4th year...
Archived
What to put in as a mortgage payment to successfully participate in the loss mitigation program. Have not paid for 1 year.
Michael's answer
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Answered on January 17, 2013
I would put on the expense schedule what you are paying which is 0.
Archived
Can the Condo Board sue us if we stop paying the maintenance and do not contribute to an assessment?
Michael's answer
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Answered on January 16, 2013
"We listed our condo mortgage but did not specify if we were going to surrender the property because we needed to show it in order to pass the...
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Archived
I am a parent who took out student loans in my name 4 my daughter. she has been paying the loans since she got a job.
Michael's answer
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Answered on January 15, 2013
Are you asking if you can sue your daughter? If you are, the answer is yes.
Archived
I am in the middle of a bankruptcy, is it possible to add a iou to the creditors list ?
Michael's answer
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Answered on January 15, 2013
IF the debt was incurred before you filed your case, then yes. But, that said, the Court has a specific procedure to add a creditor to a case.
If i filed chapter 7 and did not reaffirm my mortgage can the lender hurt my credit anymore if i just walk away?
Michael's answer
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Answered on January 14, 2013
First, Congratulations on not reaffirming your mortgage. It is ALWAYS a dumb idea.
You can feel free to walk away or live in the house until it...
Archived
What is the difference between filing a motion for relief and filing a motion for hardship in chapter 13? Have other questions.
Michael's answer
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Answered on January 14, 2013
The automobile exemption under NYS law is $4,000 per title vehicle owner. So you and your co filing spouse if any would have to be on the title to...
Archived
I have a question regarding Chapter 13 and "The Plan" in New York State
Michael's answer
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Answered on January 13, 2013
If your disposable income is now $180, then that will be your new plan amount IF you make a motion (request for relief) to modify your plan under...
