Archived
Is it too late to get a second mortgage stripped after a CH7 discharge in 2010?
John's answer
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Answered on October 16, 2011
If you bought the house in 2006, five years ago, and assuming it was on a 30 year loan you still have 25 years left on the mortgage. Not knowing...
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Archived
I am in Chap 13 with a 5ry plan pending. Home was in foreclosure status but bank withdrew. I am currently paying bank the
John's answer
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Answered on October 16, 2011
Even if the modification is not approved as long as you make your post-filing mortgage payments directly to the mortgage company, get your Chapter...
How do I find out if I reaffirmed my mortgage after bankruptcy. I don't remember signing anything and my credit report shows it
John's answer
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Answered on October 16, 2011
You can contact your old attorney. However, we also provide such services since you are in my jurisdiction. See my contact information...
Archived
I recived a wage garnishment for an eviction 21 years ago where there was a cosigne,r im only on complaint
John's answer
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Answered on October 16, 2011
I am a little confused. The debt is extremely old. You said you received a wage garnishment yet you said in essence you are unemployed. If you...
Archived
As an authorized user of my husband's credit card, can I include the credit card in my Chapter 7 case and get it discharged?
John's answer
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Answered on October 16, 2011
I would add the debt to be safe. While I agree you are not contractually liable for the total owed on the credit card as an authorized user, there...
Archived
Can a settlement agreement on debt be filed on bankruptcy
John's answer
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Answered on October 16, 2011
Yes. A settlement can be discharged. You need to make sure there was no allegation of fraud or other non-dischargeable allegations in the original...
Archived
Seperation and the house is upside-down - neither can afford to maintain: what recommendation is there when foreclosure is next?
John's answer
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Answered on October 16, 2011
You haven't provided enough information to give you any substantial answers. Here are a couple of things to investigate with your attorney.
1)...
Archived
I have a 80/20 split conv loan. interest only 6.5% on 1st, 5 years arm on 2nd bank won't refi as we have no hardship...HELP
John's answer
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Answered on October 16, 2011
In addition to what the other attorneys have said consider a Chapter 13 to strip the second mortgage. You are upside down on the house. You need...
Archived
My home in land o lakes florida is in forclosure. my wife and I are on the deed. she filed chapter 7 last year and included
John's answer
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Answered on October 16, 2011
GMAC should have been notified of your wife's bankruptcy. So they have some idea about her situation. Quit claiming the property to you does not...
Archived
Can a junior lien on a home be voided in Chapter 7 bankruptcy?
John's answer
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Answered on October 16, 2011
Chapter 7 will eliminate your personal liability but will not remove the lien from the property. It is possible to sometime settle these junior...
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