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I have a discharged ch 7 BK and in the process of short selling my home will my name be listed as the seller or the bank?
John's answer
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Answered on December 21, 2011
Bankruptcy did not remove you as owner of the house, it only eliminated your obligation to pay the debt. So you are correctly listed as the owner....
Archived
A foreclosure lawsuit is being filed against me and both of us are not employed can I get free assistance
John's answer
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Answered on December 21, 2011
You should also check with the state bar and with the local or state legal aid society. However, assistance in negotiating out of income usually...
Archived
Can a home in the foreclosure process be rented out if tenant is aware?
John's answer
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Answered on December 20, 2011
Yes. However, to protect yourself more than awareness would be necessary. The lease should include notice of the situation and a waiver or...
Archived
Could my bank decline my loan modification after the months trial time?
John's answer
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Answered on December 18, 2011
If you are being told to halt your mortgage payments by a third-party assisting you with the process be careful. Do not spend the payments. It is...
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Archived
After 3months trial period, would banks still need to get your current income?
John's answer
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Answered on December 18, 2011
Yes. The issue of income is a constant in the loan modification process because it is central to why you are asking for a modification and to...
Archived
What are the normal foreclosure fees that are charged by an attorney?
John's answer
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Answered on December 18, 2011
The legal costs of a foreclosure vary depending on many factors. In my experience the range of reasonable fees generally are between $1500 to...
Archived
Can I sue my ex wife for a deficiency judgment following foreclosure?
John's answer
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Answered on December 18, 2011
It is not possible to answer your question without more information. The details of the terms of the divorce will be important. Undoubtedly you...
Archived
A Chapter 7 BK was filed and discharged.
John's answer
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Answered on December 18, 2011
Yes. The HOA can collect on any post-bankruptcy fees. The fees due prior to filing were wiped out. Your bankruptcy attorney should have alerted...
Archived
I'm being sued for a payday loan that I applied for.
John's answer
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Answered on December 18, 2011
If the payday loan was taken out over the internet it is "illegal" in Virginia. Thus, they can not sue. I suspect that is the case since it is...
Archived
Behind in my car payment that is currently in a chapter 13, is there anything I can do to save my car?
John's answer
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Answered on December 18, 2011
If your car payment is in your Chapter 13 plan then you must mean you are behind on your Chapter 13 plan payment. If that is the case you have...
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