Archived
When a means test is done to see if you can file a chapter 7,do they look at the net amount or the gross amount?
Mitchell's answer
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Answered on August 19, 2011
Start with the gross income over the 6 months prior to filing. Include all household income and contributions to the household. Some income like...
Archived
My husband maxed out all of our credit cards & my own personal credit cards while I was in the hospital.
Mitchell's answer
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Answered on August 19, 2011
Do not listen to that advice. If you did not authorize the use of the cards, the cards were in your name and he was not even listed as an...
Archived
Do i need to pay civil restitution?
Mitchell's answer
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Answered on August 19, 2011
Dispute the debt and be prepared to prove that you satisfy the restitution order.
Archived
Can i use a car that is not under my name to install the lock ignition on it? & whats the best thing to do as far as insurance?
Mitchell's answer
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Answered on August 19, 2011
If you are required to drive with the ignition lock in place, you are required to use it in ALL cars when you drive. Bypassing that requirement...
Archived
Converting for a chpt 7 to a chpt 13
Mitchell's answer
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Answered on August 19, 2011
Converting to 13 is not a right. You file a Motion with the Court and must get court approval. You can add in every debt incurred since the date of...
Archived
Where is personal jurisdiction for a fraudulent transfer claim?
Mitchell's answer
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Answered on August 18, 2011
The court might have jurisdiction over the property, the action or the people involved. It all depends on the action and the contacts with the...
Archived
Could I be taken to court for 27 dollars
Mitchell's answer
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Answered on August 18, 2011
It will cost more than that to sue you. However, if it is on a credit card, challenge the debt now.
Archived
Is there a way to stop the automatic fee withdrawal from a payday loan company and negotiate payment?
Mitchell's answer
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Answered on August 18, 2011
Talk to a local attorney. If the pay day lender is violating the law, you have leverage. Otherwise, stopping the auto withdrawal does not get rid...
Archived
Can I file chapter 7 bankruptcy separately on a joint debt and take the bankruptcy exclusion for cancellation of debt taxes?
Mitchell's answer
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Answered on August 18, 2011
Also, if the debt is cancelled as to both of you and only one filed for bankruptcy, the tax liability for the other is not gone. You must file...
Archived
Should I sign the debt collector Settlement Release?
Mitchell's answer
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Answered on August 18, 2011
Debt collectors must abide the laws of the state where they are trying to collect. Seek help from an attorney who knows the Fair Debt Collection...
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