Questions answered by Ellen Charlotte Carlson

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Wa.state-Paid for groceries & left store w/o realizing I still had bracelet on. shocked when stopped-offered to pay they refused

Ellen's answer | Answered on July 15, 2011

Take the papers given to you to Legal Aid immediately. Your indigence and disability may allow them to help you avoid the penalty and get the...

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Is it legal to remove a primary account holder from a revolving credit card/ contract after they have filed bankrupcy?

Ellen's answer | Answered on July 15, 2011

Interesting question, but I would want more facts. I will say, however, that when a joint owner on a revolving account files bankruptcy, the...

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Can i sell off stock (5K) prior to filing? What if any are the ramifications after filing

Ellen's answer | Answered on July 15, 2011

If you have properly exempted the asset during your Chapter 13, I don't see why not. Strongly recommend you discuss this with bankruptcy counsel...

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Using credit cards before filing bankrupty

Ellen's answer | Answered on July 15, 2011

YIKES!!! The cash advances and charges you take against a credit card within 90 days of filing your bankruptcy case can be nondischargeable if the...

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Using credit cards before filing bankrupty

Ellen's answer | Answered on July 15, 2011

YIKES! Cash advances taken within 90 days of filing a bankruptcy can be nondischargeable if the creditor complains (and they do). You also have...

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Can I still list a mortgage bebt in banckrupcy If I signed a died in lieu of foreclosure?

Ellen's answer | Answered on July 13, 2011

A deed in lieu in and of itself waives a deficiency. However, I would list the bank in your bankruptcy anyway - 'for notice only' - to ensure that.

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Will a Chapter 7, 11 or 13 remove a Judgment after it was reported to the 3 major Credit Bureaus? Is it better to file before

Ellen's answer | Answered on July 13, 2011

Typically, it's better to file your bankruptcy before a judgment is entered, as the entry of the judgment could attach to your home or result in...

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What are the consequencse in filing Bankruptcy. Will they go after my assest such home, and pensions.

Ellen's answer | Answered on July 13, 2011

You should consult a bankruptcy attorney. If you have considerable assets, it should be well worth the consultation fee to discover if...

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Divorce - Ch. 13 bankruptcy - how can I protect communityproperty asset?

Ellen's answer | Answered on July 13, 2011

If you purchased the home after he began his chapter 13 case, the property is not part of the bankruptcy estate, and I don't believe a motion to...

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Should i file bankruptcy?

Ellen's answer | Answered on July 12, 2011

Such a CLASSIC story - such BAD faith! I recommend that you contact an attorney specializing in consumer rights (there didn't used to be any of...

Ellen Charlotte Carlson's Answers (100)

Wa.state-Paid for groceries & left store w/o realizing I still had bracelet on. shocked when stopped-offered to pay they refused

Is it legal to remove a primary account holder from a revolving credit card/ contract after they have filed bankrupcy?

Can i sell off stock (5K) prior to filing? What if any are the ramifications after filing

Using credit cards before filing bankrupty

Using credit cards before filing bankrupty

Can I still list a mortgage bebt in banckrupcy If I signed a died in lieu of foreclosure?

Will a Chapter 7, 11 or 13 remove a Judgment after it was reported to the 3 major Credit Bureaus? Is it better to file before

What are the consequencse in filing Bankruptcy. Will they go after my assest such home, and pensions.

Divorce - Ch. 13 bankruptcy - how can I protect communityproperty asset?

Should i file bankruptcy?