Questions answered by Derek R. Caldwell

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I filed a chapter 7 bankruptcy do i owe this.

Derek's answer | Answered on January 07, 2015

If the bank tore the property down, then no, I think you would not owe the bank. However, since the bank did not follow through with the...

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If I file bankruptcy will they take my tax refund away.

Derek's answer | Answered on January 06, 2015

What is at risk in the event that someone files a bankruptcy depends on what the state in which the filer resides allows to be claimed as exempt,...

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Will I have to pay alimony to my husband if he can't pay the mortgage (which I pay now)

Derek's answer | Answered on January 06, 2015

If you have a separation agreement or domestic court order obligating you to pay him, then, unless you can get the order modified, you will have to...

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Can a bank report late payments to the CRA's for 9 consecutive months after a Chapter 13 discharge date?

Derek's answer | Answered on January 06, 2015

I think what they should report is that the debt was discharged in a bankruptcy, that is it. They can report the delinquency that occurred prior...

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What goes into going before a judge when requesting a 401k loan during a chapter 13? Would WE need to be present?

Derek's answer | Answered on January 05, 2015

You are represented by an attorney for this matter and it is, according to the ethics rules in many states, not allowed for us to advise you about...

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We filed a chapter 13 bankruptcy in 2008 it was discharged and paid in full in 2010 . are we able to file a 7 at this time

Derek's answer | Answered on January 05, 2015

You should be able to file now and get a discharge since it has been more than 6 years from the filing of your prior Ch13 (11 USC §727(a)(9)). You...

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Will a Law Office accept credit card payment for outstanding judgement??

Derek's answer | Answered on January 05, 2015

I'd guess that if this debt has been pending for several years, the creditor would probably be willing to negotiate a (substantially) lower amount...

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Will a parent's whole life insurance policy be safe while filing bankruptcy If its intended use is for a special needs trust.

Derek's answer | Answered on January 05, 2015

Depends on what your state allows to be claimed as exempt. You should discuss this with a competent bankruptcy attorney in your area. As Ms. Bunce...

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Can landlord hold husband responsible for remainder of lease rejected in my solo chapter 7 bankruptcy?

Derek's answer | Answered on January 03, 2015

Yes. Your bankruptcy discharges your personal liability but his remains unaffected. When two people sign as co-debtors on an obligation whether...

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I got a tickt in 12-05-07 22348B cc and it is over 7 year and still showing on my DMV Print out how long it will take to move

Derek's answer | Answered on January 01, 2015

This has nothing to do with bankruptcy so I have retagged the question. In my state, this ticket would still result in your license being...

Derek R. Caldwell's Answers (10253)

I filed a chapter 7 bankruptcy do i owe this.

If I file bankruptcy will they take my tax refund away.

Will I have to pay alimony to my husband if he can't pay the mortgage (which I pay now)

Can a bank report late payments to the CRA's for 9 consecutive months after a Chapter 13 discharge date?

What goes into going before a judge when requesting a 401k loan during a chapter 13? Would WE need to be present?

We filed a chapter 13 bankruptcy in 2008 it was discharged and paid in full in 2010 . are we able to file a 7 at this time

Will a Law Office accept credit card payment for outstanding judgement??

Will a parent's whole life insurance policy be safe while filing bankruptcy If its intended use is for a special needs trust.

Can landlord hold husband responsible for remainder of lease rejected in my solo chapter 7 bankruptcy?

I got a tickt in 12-05-07 22348B cc and it is over 7 year and still showing on my DMV Print out how long it will take to move