Archived
What are my options to dispute, erase, or lower my monthly second mortgage payment after my home has been foreclosed?
Benjamin's answer
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Answered on January 29, 2014
You have four main options when faced with a discharged second mortgage. Your first is to simply continue paying on the mortgage until such time as...
Archived
Involved in a foreclosure had a second mortgage with the same company is the second mortgage included in the first mortgage
Benjamin's answer
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Answered on January 29, 2014
Mortgages consist of two parts in the Commonwealth of Virginia - a deed of trust and a note. The deed of trust ties the mortgage to your property,...
Archived
Statute of limitations on credit card debt after moving to another state
Benjamin's answer
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Answered on January 29, 2014
Virginia has a special statute which deals with this sort of occurrence. According to Virginia Code 8.01-247, "No action shall be maintained on any...
Archived
Im Russian and now I live in Russia. In 2004 I got married in CT Torrington. Soon after I came back to Russia.How can I divorce?
Benjamin's answer
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Answered on January 27, 2014
Virginia requires that either you or your spouse reside here for at least six months if you wish to seek divorce. If you were married in...
Archived
Can I received Hamp mod. I had a chapter 7 in 2002 ? (see details )
Already went through the trial period.
Benjamin's answer
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Answered on January 27, 2014
Pursuant to HAMP Guidelines, "Borrowers who have received a Chapter 7 bankruptcy discharge in a case involving the first lien mortgage who did not...
Archived
How to do a BK ch 7 cheap??????
Benjamin's answer
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Answered on January 22, 2014
You may wish to try and find an organization that offers pro bono legal services to individuals who cannot afford to pay the cost of an attorney in...
Archived
How can I fix a restitution fine that I have paid and now the state wants to collect the restitution again and plus $3900
Benjamin's answer
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Answered on January 20, 2014
As Ms. Larkin advised, you will need to prove that you already paid this restitution amount if you want to dispute this. Cancelled checks, a bank...
Archived
We got discharge ch7 2010 case just closed , we have 2nd morgagte which we cant pay due to wife lost her job,
Benjamin's answer
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Answered on January 20, 2014
If you believe you can make your first and second mortgage payments, but need to catch up, then a Chapter 13 bankruptcy will give you an...
Archived
Used husbands identity to obtain credit cards will I be charged
Benjamin's answer
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Answered on January 20, 2014
Under Virginia law, obtaining money, credit, loans, goods, or services through the use of identifying information of such other person, without the...
Archived
Is is normal practice for a bankruptcy attorney to charge additional fees after plan has been confirmed?
Benjamin's answer
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Answered on January 20, 2014
Based on what you have stated, this does not seem like the ordinary billing practices for a Chapter 13 case. Under Standing Order Number 08-1, the...
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