Archived
Who notifys the trustee of an insurance payment made on the balance of a vehicle on a chapter 13 plan?
Derek's answer
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Answered on July 22, 2015
I agree with Mr. Geisenberger. You should notify the trustee but until the creditor amends its proof of claim to reflect the payment the trustee...
Archived
My wife and I went bankrupt in 2009 and we were sent a package to reaffirm our second mortgage.
Derek's answer
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Answered on July 22, 2015
First, just because you were sent a reaffirmation package does not mean you actually reaffirmed the debt. you need to check with your attorney or...
Chapter 13 - Need Car Title Back
Derek's answer
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Answered on July 22, 2015
The car finance company does not have to give you the title to the car until you have finished your plan and gotten your discharge. So if you are...
Archived
Renting to own and moved out of state is it illegal to take with you as long as you keep making payments?
Derek's answer
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Answered on July 21, 2015
You really need to review the agreement you have with them. That will govern, at least as a civil matter. I will defer to the very knowledgeable...
How do I amend schedule f?
Derek's answer
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Answered on July 21, 2015
You prepare a new schedule F, mark it "Amended" and file it with the court and pay the $30 filing fee for adding creditors. then you serve the...
Archived
I converted from a chapter 7 to a chapter 13, can I convert from the Chapter 13 back to a Chapter7? Is it more difficult? How?
Derek's answer
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Answered on July 21, 2015
It is different because the bk code says so. What you're reading online is accurate if you are converting from a Ch13 that was originally filed as...
Archived
CH7 My residence is owned by an LLC of which I am the sole member. Can't exempt as homestead. Can I transfer to myself for $1?
Derek's answer
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Answered on July 21, 2015
This has more to do with MA corporate/LLC law than bankruptcy. I recommend you spend a few bucks and have a consultation with either a bk lawyer...
Archived
In the last 1.5 months of ch 13 bk. Filed 8/10. About to get a retro raise check. Do I have to give it to trustee?
Derek's answer
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Answered on July 21, 2015
Depends on your particular plan and the requirements of your jurisdiction. Read your plan. If you are paying less than 100% to your unsecured...
My Chapter 7 was closed without discharge. Why does it say discharged on my credit report?
Derek's answer
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Answered on July 21, 2015
Credit reports are created by people. People make errors. This is one of them. You can reopen your Ch7 to file the form 23 and the financial...
Archived
Is there a way to change Chapter 7 paperwork if a property was marked “retained” in error?
Derek's answer
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Answered on July 21, 2015
The lender does not know what they are talking about. In the Fourth Circuit, where you are, the statement of intentions, which is the part of the...
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