Archived
Chapter 7 Sale of Home
Theodore's answer
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Answered on March 31, 2011
You should file chapter 13, propose low initial payments and then sell the home, giving yourself time to market the home. Ask your attorney if the...
Archived
We lost our house to BK (Ch.7) and we were already discharged. Now the bank is about to foreclose on it.
Theodore's answer
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Answered on March 30, 2011
If you did not reaffirm the loan you will not be responsible for the state of the property as long as you did not do anything post petition.
Archived
If delinquent on HOA fees & mortgage is foreclosed, are we personally liable for HOA fees accumulated prior to the sale?
Theodore's answer
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Answered on March 30, 2011
You are liable just as if there were a deficiency on the mortgage.
Archived
Would it be advisable for me to retain an attorney to delay foreclosure on a home which I inherited with reverse mtg owed
Theodore's answer
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Answered on March 30, 2011
If you file a chapter 13 bankruptcy many jurisdictions, including mine, allow you to stop the foreclosure and pay off the mortgage arrears, sell...
Archived
We have purchased property in foreclosure but the prior owner will not vacate. What is the legal process to get him to leave?
Theodore's answer
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Answered on March 30, 2011
You are now a landlord and have to remove the tennant pursuant to State law.
Archived
Who owed the duty to the homeowner?
Theodore's answer
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Answered on March 30, 2011
They do not have to adjourn or delay the foreclosure if there is another offer.
Archived
Our mort servicer foreclosed on us, stated that our loan fraud occurred during origination. What can we do?
Theodore's answer
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Answered on March 30, 2011
Fraudulent loan, but you may be able to use bankruptcy to try and keep the loan and modify it. You can refinance the property. The loan was based...
Archived
Husband/wife file joint returns and the husband has a loan outstanding in his name alone. If the husband was to die, is the
Theodore's answer
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Answered on March 30, 2011
No, but the husbands estate would still be liable and if the debt is secured it retains its lien.
Archived
Can my ex-husband sue me for a credit card bill that was in both of our name even though the bill have been paid out,and we live
Theodore's answer
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Answered on March 30, 2011
Yes.
Archived
I am filing a bankruptcy petition. I own a house with my husband as tenants by the entirety. However, the loan secured by the
Theodore's answer
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Answered on March 30, 2011
You have to list all secured creditors on property that you own, whteher you owe the debt or not.
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