Archived
I filed for bk again but the new law came into effect and my bk was dismissed for filing to soon. How do I fix this blunder?
Derek's answer
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Answered on February 23, 2014
Your chapter 7 filings will stay on your credit history for 10 years after filing. Other than putting an explanation on your credit report, there...
Archived
Is my only option to let chapter 13 be dismissed and refile? Can my plan be reworked to include post plan mortgage arrears?
Derek's answer
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Answered on February 23, 2014
Mr. Gillman and Mr. Burr gave good answers. the issue I really see is even if with your raise it will be difficult to make your plan payments and...
Archived
BK court. Previous mortgage servicer didn't have standing to foreclose. Loan transferred. Can new servicer can GET standing?
Derek's answer
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Answered on February 23, 2014
If your case discharged in 2011, bankruptcy has nothing to do with your current issue. Other than the facts as you have recited them, we know...
Archived
I am filing ch13 and need to file before 3/5/14 what is the minimum info my atty needs to file to stop my foreclosure?
Derek's answer
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Answered on February 23, 2014
If you have chosen an attorney to assist you with filing a Ch13, you really need to ask your attorney what parts of his/her questionnaire you need...
Archived
I recently received my chapter 7 discharge paperwork my house was included in the bankruptcy and I am still paying the mortgage
Derek's answer
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Answered on February 23, 2014
If I were you, I'd stop paying the mortgage and live rent free and save the mortgage payments for getting a new place or at least a nest egg. Move...
Pre and post-petition HOA dues in Chapter 13 in Texas...dischargeable?
Derek's answer
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Answered on February 22, 2014
Post petition HOA dues get special treatment in bankruptcy and are not discharged thanks to changes implemented in the 2005 changes to the bk code....
Archived
Of you file for bankruptcy but a creditor can't be found to serve, how do you properly notify them in a florida bankruptcy.
Derek's answer
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Answered on February 22, 2014
Just send the notices to the best address you have for the creditor, If you cannot find them and you have no assets, the debt will be discharged...
Archived
Can I lose my house because my ex husband is filing chapter 13?
Derek's answer
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Answered on February 22, 2014
As long as the payments are made, your house should not be in jeopardy. You may want to review your ex's Chapter 13 plan with your own attorney...
Archived
Can a credit union report the trustees car payments late in chapter 13
Derek's answer
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Answered on February 22, 2014
In my opinion the only thing the CU should be reporting is that the debt is in a Ch13 bankruptcy. If you have an attorney, you should discuss this...
Archived
I am in a Chapter 13 Bankruptcy am I allowed to use my bank card to purchase $7.99 monthly plan through Netflix for my daughter?
Derek's answer
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Answered on February 21, 2014
Yes. You will not be incurring debt and even if you were, the amount involved would not likely be a problem. If you can afford it, go for it.
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