Archived
Do I need a bankruptcy attorney to file paperwork to "avoid " a lein on a held property or can I have any attorney complete this
Charles's answer
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Answered on April 10, 2012
Tough questions. First of all, there is not a lien on the house because your ex filed bankruptcy. If there is a lien it was there before the BK...
Archived
I need a good bankruptcy attorney in Delaware County, Pa. Recommendations?
Charles's answer
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Answered on April 10, 2012
I second Bob Holber and Scott Watterman for good BK attorneys in your area. Unfortunately you are just outside of my usual area but I am licensed...
Archived
My utilities were cut off three years ago, because I got ill and could not work to pay them. I have been in shelter care now
Charles's answer
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Answered on April 10, 2012
Sounds like you probably have some pretty hefty debts to utility companies and likely otherwise. You should consider filing for Chapter 7...
Archived
Chapter 7 was discharged in Jan. 2010 which included mortgage.
Charles's answer
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Answered on April 10, 2012
Since you no longer have personal liability on the mortgage a deed in lieu of foreclosure doesn't really help you. In fact, if you are still...
Archived
My case was dismissed in small claims court because a representative for the bank did not show. Can they take me back to court?
Charles's answer
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Answered on July 26, 2010
If the case was dismissed WITH PREJUDICE then you may not be sued for the same debt again. This, however, does not mean that you no longer owe the...
Archived
Can I be sued for a debt that I knew nothing about prior to the lawsuit?
Charles's answer
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Answered on July 26, 2010
If you mean that you "co-signed" for a debt with your grandson than usually you are both jointly and severally liable for the debt. This means...
What is a judgement by agreement?
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Charles's answer
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Answered on July 26, 2010
A judgment by agreement usually means that you made a deal with the company to repay some portion, if not all, of the debt by submitting monthly...
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Archived
What monies are exempt from a bank account being frozen?
Charles's answer
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Answered on July 26, 2010
For a bank account to be entirely exempt from creditors it must only contain social security funds. To be 100% safe you should immediately open a...
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Archived
I have a judgement against me from a credit card debt. And have several that are in default. All total, around 100,000.
Charles's answer
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Answered on January 30, 2010
It depends on the value of the assets and whether you file Chapter 7 or Chapter 13 bankruptcy. You are permitted an exemption for one vehicle...
Archived
Fl- I am filing for divorce. We share the same home. How can I protect myself and the house if he files for bankruptcy?
Charles's answer
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Answered on November 03, 2009
The answer depends on the amount of equity you have in the home as well as your state bankruptcy exemption guidelines. You should seek a local...