Questions answered by Alon Joseph Nager

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BK 7 and car loan

Alon's answer | Answered on May 16, 2010

I agree with my colleagues in that you do not want to transfer any assets prior to a bankruptcy filing. If you file the bankruptcy case it won't...

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Am I liable as a non party in a bankruptcy case filed by my daughter

Alon's answer | Answered on May 16, 2010

You are liable for whatever she doesn't pay towards this debt. So if she filed a chapter 7 case you will be liable for the whole thing unless she...

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Can a credit card company (unsecured debt) freeze an account with only student financial aid monies in account

Alon's answer | Answered on May 16, 2010

I agree with my colleagues. The money in the account is not exempt and is thus subject to garnishment. You should let legal aid know about this...

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Can I be sent to collections if I am still paying a balance of a medical bill?

Alon's answer | Answered on May 16, 2010

I agree with my colleague. You should call the hospital to see if they will accept a lower monthly payment. Try to get the agreement in writing...

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I have filed a Chpt 7, my mortgage company has requested a lift of the stay. Do I still have time to bring my account current?

Alon's answer | Answered on May 16, 2010

You have until the hearing if you file a response. If you do not file a response the court may grant the relief requested without a hearing. If...

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Judge ordered relief of stay for my bank. i'm in chapter 13. i'm not behind in my mortgage payments gave to my lawyer.

Alon's answer | Answered on May 16, 2010

You need to contact your lawyer to discuss this ASAP. It doesn't make sense that the mortgage company was granted relief from the stay if you are...

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Can you trade in a vehicle that is included in a chapter 13. If so do you have any dealerships that you would recommend?

Alon's answer | Answered on May 16, 2010

I agree with my colleague. Court approval would be required to do what you are saying. Conversion is tricky and you definitely want to consult...

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My 2nd mortgage was sold while in Bankruptcy before discharge was granted. the new lienholder harrasses me, is this legal.

Alon's answer | Answered on May 16, 2010

I agree with my colleagues. Since you did not reaffirm the debt the creditor can't go after you personally for it. However, the creditor still...

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Do you have to pay interest on a vehicle that you voluntarily surrendered and paying the deficiency calculation on?

Alon's answer | Answered on May 16, 2010

I agree with my colleague. The answer to your question is yes. Good luck. Alon Nager Russack Associates, LLC 100 Severn Ave., Ste. 101,...

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Filed a Ch.13 in May 2007 and thinking about converting to a ch 7

Alon's answer | Answered on May 16, 2010

The filing date will always be the same for this particular case. If you convert your case will probably be much shorter overall so you will be...

Alon Joseph Nager's Answers (303)

BK 7 and car loan

Am I liable as a non party in a bankruptcy case filed by my daughter

Can a credit card company (unsecured debt) freeze an account with only student financial aid monies in account

Can I be sent to collections if I am still paying a balance of a medical bill?

I have filed a Chpt 7, my mortgage company has requested a lift of the stay. Do I still have time to bring my account current?

Judge ordered relief of stay for my bank. i'm in chapter 13. i'm not behind in my mortgage payments gave to my lawyer.

Can you trade in a vehicle that is included in a chapter 13. If so do you have any dealerships that you would recommend?

My 2nd mortgage was sold while in Bankruptcy before discharge was granted. the new lienholder harrasses me, is this legal.

Do you have to pay interest on a vehicle that you voluntarily surrendered and paying the deficiency calculation on?

Filed a Ch.13 in May 2007 and thinking about converting to a ch 7