Can I submit my own reaffirmation agreement after Chapter 7 discharge if the judge denies my agreement submitted for approval?
Derek's answer
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Answered on November 27, 2017
No. You cannot. A reaffirmation agreement MUST be submitted to the court within 45 days of the date of the 341 meeting though some courts will...
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When can i write off student loans?
Derek's answer
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Answered on November 27, 2017
The standard is "undue hardship" and the courts have basically defined undue hardship, at least in the 4th circuit where you are, as you will never...
If you are married and filing head of household for taxes, can that affect filing chapter 7 bankruptcy for one spouse?
Derek's answer
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Answered on November 25, 2017
You'll need to report all household income on your petition and schedules. You can also deduct some or all of your spouse's separate expenses....
Where can I file Chapter 13 from?
Derek's answer
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Answered on November 25, 2017
It is really only a problem if someone objects. If the majority of your assets are in a particular district, then you can file there or the...
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Chapter 7 Double Indiana Homestead Exemption?
Derek's answer
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Answered on November 25, 2017
In my state (NC) only the owner of the real property (or any property for that matter) can claim the exemption for that property. I suspect that...
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How much to file chap 7 $8000 cc debt on s disability own nothing ?
Derek's answer
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Answered on November 25, 2017
You may not need to file bankruptcy. Social security benefits are exempt from the claims of creditors under federal law and if you don't own...
Is it still possible to keep my car once the lender is a granted relief from the automatic stay?
Derek's answer
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Answered on November 24, 2017
Realistically we can't give you an accurate answer without seeing the letters you've received. Your attorney can give you an accurate answer. If...
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Do I have to pay my auto loan when it is "charged off?"
Derek's answer
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Answered on November 24, 2017
Just because they charged off your loan does not mean they could not repo the car. They could, but it seems that Wells Fargo has decided that...
I filed chapter 13 bankruptcy and payment is due to trustee today?
Derek's answer
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Answered on November 24, 2017
At a minimum pay what you can today without bouncing your check and bring your payment current as soon as possible.
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Chapter 13 dismissed?
Derek's answer
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Answered on November 23, 2017
If you have missed a substantial number of payments that were required to be paid direct to your mortgage company, it is possible your case will be...
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