Can Wells Fargo do a cross collateralization after we file chapter7 we have a mortgage and a unsecured BC business line account?
Derek's answer
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Answered on April 21, 2014
If the cross collateralization clause is not in your original contract, then WF cannot unilaterally impose such a provision and the only way for...
How do I get my frozen bank account unfrozen?
Derek's answer
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Answered on April 20, 2014
Unfortunately, I think the asker is completely out of luck. He filed while owing the Credit Union where he banks and the Credit Union took...
Archived
Chapter 13 and forclosure
Derek's answer
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Answered on April 20, 2014
No, your mortgage company cannot do that, but it is possible they have filed a motion for releif from the automatic stay or it may be that the...
Archived
Chapter 13 Early Discharge
Derek's answer
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Answered on April 17, 2014
If all your creditors were properly notified of your bankruptcy and you are paying 100% to your unsecureds who filed claims, you should be able to...
If I am currently half way through a 5-year Chapter 13 payment plan, I am allowed to open a Roth IRA (would contribute $50/mo)?
Derek's answer
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Answered on April 16, 2014
The amount you are proposing to contribute to your IRA is small enough that it will probably be okay. BUT some trustees are real sticklers and...
Archived
My bank Wells Fargo in illinois got "summary judgment - denied" Loan covered by chapter 7.
Derek's answer
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Answered on April 16, 2014
If this was for a lawsuit seeking to collect a debt such as a credit card or personal loan, then the courts should eventually dismiss the case as...
Archived
We would like to keep our home, but did not reaffirm it when filing chapter 7. We are behind several pymts. Can we keep it?
Derek's answer
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Answered on April 16, 2014
If you now have sufficient income to both resume making your on-going mortgage payments and bring the mortgage current over 3-5 years plus pay...
Archived
TENANT LISTED MY ADDRESS INCORRECTLY ON HIS CH 13 BANKRUPTCY, THEREFORE I WAS NOT NOTIFIED. IS THERE ANY THING I CAN DO?
Derek's answer
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Answered on April 16, 2014
Do you have PROOF that he intentionally messed up your address? If not, you will just spend a lot of time and money just to get really frustrated...
Archived
Division of assets in will
Derek's answer
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Answered on April 16, 2014
If you are going to file a bankruptcy, giving any money to your Dad to repay him WILL cause a problem for him if you file bk within two years of...
Archived
Creditor objection to "Debtor Certificate of Compliance, Motion for Issuance of Discharge and Notice of Deadline to Object"
Derek's answer
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Answered on April 16, 2014
If you want to object pro se you will have to draft your objection and base your objection on legally cognizable issues that are relevant to the...
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