Questions answered by Richard Croak

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Are taxlien sales recorded differently

Richard's answer | Answered on April 21, 2014

Part of the reason you hire an attorney is so he can identify the problem. It is obvious from the question that you have mistaken the problem. I...

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Countrywide sold out to Bank of America with all coming to light NOW What is the SOL in NY to sue them false Mod. Loans?

Richard's answer | Answered on April 15, 2014

The Countrywide to Bank of America transactions are far to complicated for this setting. You need to see an attorney just to get a referral to...

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My friend co-signed an auto loan for my vehicle. Can she have it repo-ed if it's not in her name?

Richard's answer | Answered on April 15, 2014

a repossession happens when the loan is in default and the secured creditor (Bank, Credit Union, etc.) seizes the vehicle. A co-signer will be...

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Can I Deduct a Loan Made to a Family Member to Start a Business? What proof do I need to need to show that the loan is bona fide

Richard's answer | Answered on April 08, 2014

What I believe you are asking is what evidence is needed to prove the loan. My rule of thumb is you need a written contemporaneous record. What do...

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Would a co signer on my car be able to sue me if I stop paying the payment if I file for bankruptcy?

Richard's answer | Answered on March 28, 2014

No. You list the co-signer of the bankruptcy petition at schedule H. However, if you file a chapter 13 there is provision for a co-debtor stay...

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I received a Summons for Foreclosure. How do I respond (serve a copy of Answer on the Plaintiff's Attorney).

Richard's answer | Answered on March 28, 2014

An attorney is definitely recommended. In your part of the state legal aid offers some assistance if you qualify. The Court will set a settlement...

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Foreclosure settlement meeting questions ,we are in right now.( 2nd meeting end of this week).Bank is HFC.

Richard's answer | Answered on March 17, 2014

you need an attorney. You are not going to be able to do this on your own, and in addition I see you are in the Northern District of New York which...

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What is the statute of limitations on personal loan in NY?

Richard's answer | Answered on March 17, 2014

CPLR 213 sets the time for actions that do not have any other statute of limitations as six years. That is a simple answer, but applying the...

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How can I solve this problem?

Richard's answer | Answered on March 14, 2014

I have questions in return. Is not the FLB part of the federal farm credit program? Are we talking a farm here? So who is being sued and where? I...

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We own 2 houses we each live in 1 house since we are separated, will we lose 1 home if we file chapter 7?canwe file separately ?

Richard's answer | Answered on March 14, 2014

If you are going through a divorce but not yet divorced you can file together. A good rule is if you are entitle to file a joint tax return you can...

Richard Croak's Answers (135)

Are taxlien sales recorded differently

Countrywide sold out to Bank of America with all coming to light NOW What is the SOL in NY to sue them false Mod. Loans?

My friend co-signed an auto loan for my vehicle. Can she have it repo-ed if it's not in her name?

Can I Deduct a Loan Made to a Family Member to Start a Business? What proof do I need to need to show that the loan is bona fide

Would a co signer on my car be able to sue me if I stop paying the payment if I file for bankruptcy?

I received a Summons for Foreclosure. How do I respond (serve a copy of Answer on the Plaintiff's Attorney).

Foreclosure settlement meeting questions ,we are in right now.( 2nd meeting end of this week).Bank is HFC.

What is the statute of limitations on personal loan in NY?

How can I solve this problem?

We own 2 houses we each live in 1 house since we are separated, will we lose 1 home if we file chapter 7?canwe file separately ?