We filed bankruptcy and had our mortgage reaffirmed. Our mortgage company said they never received the reaffirmation.
Michael's answer
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Answered on March 24, 2022
It cannot be reaffirmed now. Your personal obligation 'in personam" is discharged. Only the lien, "in rem" remains. Since you have no personal...
Is Chapter 7 credit counseling a pass or fail? Can you debts /left over income be too much or too little that it affects filing
Michael's answer
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Answered on February 22, 2022
Not pass or fail. Should take about an hour and a half. it can be done online or by phone. Check with your attorney. He or she may have an account...
What can Onemain Financial do if I stop making loan payments ?
Michael's answer
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Answered on February 17, 2022
Above counsel are correct. They will repossess and schedule the sale of the collateral. Communication goes a long way. Discuss with them. Do not...
Filing bankruptcy for deceased individual,(no probate)?
Michael's answer
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Answered on February 16, 2022
No ---- An estate cannot be a debtor. You must be an individual for a chapter 13. If the case was already filed by the individual and the debtor...
Got a job after filing for a chapter 7 bankruptcy do I half to show my paystub‘s to the trustee if they ask for them ?
Michael's answer
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Answered on February 11, 2022
The truth is the truth. Always err on the side of Disclosure. Always answer honestly. Perjury is no joke.
My trustee often ask, "are you still at...
What is considered a substantial income increase to warrant a chapter 13 bankruptcy payment review?
Michael's answer
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Answered on February 03, 2022
It varies jurisdiction to jurisdiction. Trustees here in chapter 7 cases will often ask has your income changed. Sometimes they ask if its more...
What form do I file in chapter7 bk to surrender my car?
Michael's answer
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Answered on February 01, 2022
Reaffirmation and redemption are different. There are deadlines to deal with this issue which may have already passed. Once they have expired it...
Would my live-in girlfriend of 5 years count towards household income in my chapter 13 bankruptcy?
Michael's answer
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Answered on February 01, 2022
In Pa her income would count to the extent it was used for household expenses. But I will defer to the Florida attorneys who are more in sync with...
How do i get the title on a car that was part of a Chapter 7 bankruptcy , but that the loan company never tried to repossess?
Michael's answer
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Answered on January 13, 2022
The only other way to accomplish this, other than discussed above is a redemption while in the chapter 7 under 11 USC 522. The court could have...
Will my chapter 13 payment increase with income increase while entering final year of 5 year plan?
Michael's answer
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Answered on December 27, 2021
I agree at least in my jurisdiction with the comment about b10 percent. In your case and cost of living increases I would not do anything. Please...
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