Questions answered by Richard Croak

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Paying back government for school loan school says they didn't get paid there sending creditors after me no one want to talk ,

Richard's answer | Answered on June 07, 2014

Richard's answer is correct. Unfortunately your Congress stripped the normal consumer protections from student loans. For decades now student loans...

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Bankruptcy

Richard's answer | Answered on June 07, 2014

This is why we don't reaffirm ten year old vehicles. They do not need to repossess the vehicle they can sue you directly. You are on the hook for...

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Auto loan through a bank (ally)

Richard's answer | Answered on June 07, 2014

The "loan place" implies that the loan is not coming from a traditional lender which is probably why you are on a wild goose chase regarding the...

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I filed an amended return, which is still being processed. However, received a tax warrant???

Richard's answer | Answered on June 05, 2014

The question bother's me because the IRS uses the word lien and New York State uses Warrant. They mean the same thing, but if the IRS said the were...

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During foreclosure, plaintiff sells mortgage to a new investor. Can I ask for a dismissal as plaintiff no longer has an interest

Richard's answer | Answered on June 05, 2014

This is why you need to have an attorney represent you. I am certain what you got was a notice of change in the servicing which does not effect the...

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Husband died and I want to pay the car payment The bank said that I need a administrators of affairs doc. Where can I get one

Richard's answer | Answered on May 05, 2014

You did not say who was on the car title? also why not just make the payment and see if they refuse it. Technically they made be within their...

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Is being late in maintenance payments to a co-op in itself something that would prevent a loan modification from being granted?

Richard's answer | Answered on April 26, 2014

You say this is a HAMP application and I believe the requirement is that the property taxes and fees be current or be made current as part of the...

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To appeal bankruptcy court decision & for requesting stay of sale of the house( by motion) pending appeal?

Richard's answer | Answered on April 24, 2014

You must first ask the Bankruptcy Court for the stay and only then can you apply to the District Court.

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Can you keep a personal MEC insurance Policy if your business declares bankrupcy?

Richard's answer | Answered on April 22, 2014

I assume you are referring to a contract for life insurance. Under New York Law life insurance is o100% exempt, but the alternate federal exemption...

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Questions about car loan

Richard's answer | Answered on April 21, 2014

You did not quite ask the legal question, but I think they were on your mind. If you buy a car with your girl friend and she is the only one in...

Richard Croak's Answers (135)

Paying back government for school loan school says they didn't get paid there sending creditors after me no one want to talk ,

Bankruptcy

Auto loan through a bank (ally)

I filed an amended return, which is still being processed. However, received a tax warrant???

During foreclosure, plaintiff sells mortgage to a new investor. Can I ask for a dismissal as plaintiff no longer has an interest

Husband died and I want to pay the car payment The bank said that I need a administrators of affairs doc. Where can I get one

Is being late in maintenance payments to a co-op in itself something that would prevent a loan modification from being granted?

To appeal bankruptcy court decision & for requesting stay of sale of the house( by motion) pending appeal?

Can you keep a personal MEC insurance Policy if your business declares bankrupcy?

Questions about car loan