Questions answered by Michael Anthony Cataldo

Archived

I am being sued for $1067.00 from a physician from a surgery I had. I do not have assets or money what should I do?

Michael's answer | Answered on July 28, 2011

The doctor can sue you and win. Normally they are very understanding and will accept very small monthly payments. Paying an attorney for a...

Archived

How do i reinstate my CA drivers license with bankruptcy?

Michael's answer | Answered on July 28, 2011

In Pa we would list the debt associated with the fines with ticket numbers. We provide the bankruptcy seal to the dmv with the creditor list. There...

Archived

If I am served with a deficiency judgement on my foreclosed home can I then file BR and have the judgment discharged?

Michael's answer | Answered on July 28, 2011

Yes, a deficiency is an unsecured debt just like credit cards and medical bills. It is definitely dischargeable assuming you meet the requirements...

Archived

Considering chapter 7. 1 of my bills is $ owed to divorce attorney. Feel bad doing it (although I did pay him alot). Discharged?

Michael's answer | Answered on July 28, 2011

NO SPECIAL PROTECTION. iT IS DISCHARGED IN THE BANKRUPTCY. yOU ARE REQUIRED TO LIST ALL DEBTS. WHILE YOUR LEGAL OBLIGATION IS DISCHARGED AFTER YOUR...

Archived

Can my ex-husband discharge a judgment from ex-wife by declaring Chapter 7?

Michael's answer | Answered on July 28, 2011

domestic supports obligations are not dischargeable. However equitable distribution can be. An adversary action to determine the...

Archived

If i have a judgement against me can they garnish my wages or levy my bank account if yes what should i do. i am also head of ho

Michael's answer | Answered on July 27, 2011

in Pa wages cannot be garnished. You need a Fl attorney to respond about whether or not this can occur in Fl. In all state a judgment creditor can...

Archived

83 yr old w/ reverse mortgage in Wash.St. Line of credit is at $0 No assets. Moving to assisted living. What to do w/ the house?

Michael's answer | Answered on July 27, 2011

I would urge you to try a deed in lieu of foreclosure with the forgiveness of any deficiency. If not available then a chapter 7 to avoid the...

Archived

Is it possible to get a CH7 discharge on secured debts even though Statement of Intention says property will be retained?

Michael's answer | Answered on July 26, 2011

you are fine, The liability of the mortgages is discharged as to use personally since it was never reaffirmed. They can only foreclose on the...

Archived

Am i responsible for a debt incured if i stated that i could not afford anything that was not covered by insurance?

Michael's answer | Answered on July 26, 2011

unless the doctor agreed to only get the insurance proceeds then you are responsible. I doubt anyone from the doctors office will say they agreed...

Archived

We recently filed for chapter 13 with the 506 motion for a lien strip. The second mortgage company contested the lien strip.

Michael's answer | Answered on July 26, 2011

If you agreed to the settlement and signed off on it then its too late. I do not know how much the ist mortgage or senior liens totalled to...

Michael Anthony Cataldo's Answers (234)

I am being sued for $1067.00 from a physician from a surgery I had. I do not have assets or money what should I do?

How do i reinstate my CA drivers license with bankruptcy?

If I am served with a deficiency judgement on my foreclosed home can I then file BR and have the judgment discharged?

Considering chapter 7. 1 of my bills is $ owed to divorce attorney. Feel bad doing it (although I did pay him alot). Discharged?

Can my ex-husband discharge a judgment from ex-wife by declaring Chapter 7?

If i have a judgement against me can they garnish my wages or levy my bank account if yes what should i do. i am also head of ho

83 yr old w/ reverse mortgage in Wash.St. Line of credit is at $0 No assets. Moving to assisted living. What to do w/ the house?

Is it possible to get a CH7 discharge on secured debts even though Statement of Intention says property will be retained?

Am i responsible for a debt incured if i stated that i could not afford anything that was not covered by insurance?

We recently filed for chapter 13 with the 506 motion for a lien strip. The second mortgage company contested the lien strip.