Archived
Will amending the tax return filed with the IRS prior to my now closed Ch 7 filing and provided to my trustee cause any issues?
Derek's answer
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Answered on April 03, 2015
If you amend your 2012 return and you were required to submit your return and possibly your refund from that tax year to the trustee, you should...
Archived
My husband has a company credit card in his name, we want to file ch. 7 what will happen with that?
Derek's answer
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Answered on April 02, 2015
If Ms. Bunce's suppositions are correct, then she is also correct about the likely outcome. Creditor will find out and cancel the card.
In NC I'm being sued by sessoms and Rogers for credit card debt on behalf of midland credit mgt.
Derek's answer
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Answered on April 02, 2015
The SOL in NC is 3 years but if the last payment as made in March 2012 and they filed in February 2015, they filed in time. You can contact S&R and...
Archived
Bankruptcy plan completed. Would a motion for determination to cure mortgage which was filed by trustee delay discharge?
Derek's answer
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Answered on April 01, 2015
At least in my district, no this would not delay the issuance of your discharge.
Archived
Chapter 7 and money judgement question
Derek's answer
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Answered on April 01, 2015
You can file a certified copy of your discharge with the court that has the judgment. If you owned real property in the county in which the...
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Archived
Is interest removed from your mortgage when chapter 13 is filed?
Derek's answer
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Answered on April 01, 2015
The bankruptcy code does not allow the modification of first mortgages, so the interest on your mortgage will remain as is. Your attorney can file...
I had my car repossessed. If I file a bankruptcy will I have to pay the repossession storage costs to get the car back?
Derek's answer
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Answered on March 31, 2015
In my district you'd have to pay the repo and storage fees and show proof of insurance before they would be obliged to return the car. You might...
Archived
How can one get debt consolidation loan ASAP. IVE BEEN BOMBARDED BY by debt restructuring Comapny.
Derek's answer
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Answered on March 30, 2015
Debt restructuring companies that advise folks to stop paying their debts are really advising folks to get ready to be sued, at least in many...
Archived
Can I file chapter 13 and still keep my truck
Derek's answer
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Answered on March 30, 2015
You can file a 13 but you will need to be able to pay your plan payments and if you are not working, how will you do that? If you have a title...
Archived
Foreclosure, what do I do?
Derek's answer
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Answered on March 30, 2015
This is a bad but fairly common situation. There is no way to force a bank to actually foreclose and many will not especially in areas where the...
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