Questions answered by John Gerth Merna

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CAN THE BANK LIST MY PROPERTY FOR PUBLIC AUCTION WITHOUT NOTIFYING ME?

John's answer | Answered on October 09, 2011

The bank would have to notify you of the default and intent to accelerate. That notification is your notification that they are going to...

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I have a Judgment from 1995 from HUD due to a forclosure on a 2nd mortgage due to illness how can I stop Tax garnishments

John's answer | Answered on October 09, 2011

First make sure the judgment is still effective. There are statutes of limitations on judgments. If it is still effective you may want to...

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Can the bank come after our second home if we foreclose on our first?

John's answer | Answered on October 09, 2011

California is an antideficiency state, meaning that if you qualify under the state statutes the first mortgage can not pursue a deficiency...

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Am I still required to pay rent to my landlord if the house has been foreclosed on and is up for sale in a few months?

John's answer | Answered on October 09, 2011

If the house has been foreclosed on then the "former" landlord is no longer the owner. You do not have to pay the rent to him. The new owner has...

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I was written by the court that the collection agency has filled law suite against me, that i owe them .

John's answer | Answered on October 09, 2011

You need to respond to the court's notice. Many lenders, Citibank included, are restructuring their operations to deal with the large amount of...

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3rd party dept collector filed a complaint outside sol.

John's answer | Answered on October 09, 2011

I agree with Attorney Goldstein. You have to provide your defense that the statute of limitations has "run" and bars the collection of the...

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Unemployed and need to file bankruptcy - can I discharge CC debts assigned to me from divorce decree?

John's answer | Answered on October 09, 2011

I agree with Attorney Goldstein. Now may not be the time to file when in fact you sound practically "judgment proof". Speak to an attorney...

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House was foreclosed, alleged secured property was left in the house? If a Chapter 7 BK is filed, what is going to happen?

John's answer | Answered on October 09, 2011

You are correct these types of items would have become fixtures. I would report them in D with an explanation that the were installed at the...

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My credit score is very low.i want to rebuild it and make it higher

John's answer | Answered on October 09, 2011

It is the monthly reporting you need to focus on. Are any of the old creditors still reporting negatively that they are not being paid? If you...

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CH 13 repayment plan.

John's answer | Answered on October 08, 2011

It is possible. However, it depend on several things. If the case is confirmed income reviews are rarely done although are possible. Something...

John Gerth Merna's Answers (699)

CAN THE BANK LIST MY PROPERTY FOR PUBLIC AUCTION WITHOUT NOTIFYING ME?

I have a Judgment from 1995 from HUD due to a forclosure on a 2nd mortgage due to illness how can I stop Tax garnishments

Can the bank come after our second home if we foreclose on our first?

Am I still required to pay rent to my landlord if the house has been foreclosed on and is up for sale in a few months?

I was written by the court that the collection agency has filled law suite against me, that i owe them .

3rd party dept collector filed a complaint outside sol.

Unemployed and need to file bankruptcy - can I discharge CC debts assigned to me from divorce decree?

House was foreclosed, alleged secured property was left in the house? If a Chapter 7 BK is filed, what is going to happen?

My credit score is very low.i want to rebuild it and make it higher

CH 13 repayment plan.