Archived
Newly Married In Michigan - must my spouse's income (he's not on mortgage) be included when requesting home loan modification?
Derek's answer
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Answered on December 13, 2011
If they are requesting household income and your new husband contributes to the household, then yes, you should include, at the very least, any...
Archived
If I don't show up for a debt case can I still try to settle it after the court hearing?
Derek's answer
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Answered on December 13, 2011
I'd like to say we don't have debtors prisons any more in the US, but as more and more states are enacting procedures that require a debtor to...
Archived
When listing debts on the bankruptcy schedules, do you list the original debtors of the collection agencies?
Derek's answer
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Answered on December 13, 2011
I agree with Mr. Doan. I always list the original creditor and any collection agencies I can. This makes it easier to establish that whoever is...
Archived
I received my BK discharge 02/2009 andI live in Arizona. If we walk away from our home - no reffirmation was signed.
Derek's answer
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Answered on December 13, 2011
It may not be impacted at all. Check your credit report to see if your mortgage company has been reporting your post petition payments. If they...
Archived
Chapter 7: credit card applications
Derek's answer
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Answered on December 13, 2011
The most common reason for a creditor filing an adversary proceeding is that the debtor used a credit card in the 90 days immediately prior to...
Archived
In Texas, can the HOA sue me for HOA fees on a rental house that accrued post Chapter 7 discharge?
Derek's answer
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Answered on December 12, 2011
I am not licensed in Texas so this does not specifically refer to Texas law but, yes a HOA can seek to collect post petition HOA dues. In many...
Archived
Can i do a short sale on my house even though my chapter 7 bancrupcy is now over?
Derek's answer
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Answered on December 12, 2011
The only person a short sale benefits is the broker(s) who make a commission on the sale. As my colleagues suggested stay in the home rent free...
Archived
Bankruptcy Lawyer
Derek's answer
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Answered on December 12, 2011
I agree with Ms. Bunce. We don't have enough information to give you a good answer, but many bankruptcy attorneys offer free consultations and can...
Archived
Debt collector attempting to collect on a lease for a band instrument. The lease was terminated by default of the lessor.
Derek's answer
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Answered on December 12, 2011
Dispute the debt in writing to the collection agency. You have thirty days from the date your first received a letter from them to dispute the...
Archived
Debt collector attempting to collect on a lease for a band instrument. The lease was terminated by default of the lessor.
Derek's answer
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Answered on December 12, 2011
Dispute the debt in writing to the collection agency. You have thirty days from the date your first received a letter from them to dispute the...
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