Archived
If I am unable to get all the required documents for a 2004 Exam, what will happen to my bankruptcy and me?
Derek's answer
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Answered on August 22, 2013
I agree that you need to use your best efforts to get the documents the trustee requires but if you don't have them and neither the bank nor ebay...
Archived
When filing Chapter 7 Bankruptcy do I have to complete the section Contingient, unliquidated, or Disputed if non apply in Schedu
Derek's answer
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Answered on August 21, 2013
No. If you are not disputing that you owe a debt, you do not have to check any of those boxes. I am guessing you are filing without the assistance...
Archived
HOA tried to collect debts discharged in Chapter 7
Derek's answer
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Answered on August 20, 2013
If you have paid all the post petition HOA fees and they misapplied those fees to your prepetition arrears (assuming they had not filed a lien...
Can a mortgage company report late payments while you are in Ch 13 bankruptcy and all payments to trustee were on time?
Derek's answer
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Answered on August 20, 2013
If you had an attorney assist you with your Ch13, call him or her. If you paid your on-going mortgage payments through your plan (called a conduit...
Archived
Can we be sued for a deficiency if the property was surrendered in chapter 7?
Derek's answer
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Answered on August 20, 2013
If you surrendered your interest to the mortgage holder through your bankruptcy, then all they can do is foreclose on the property and you will not...
Archived
Can an item exempt during a Chap. 7 filing be reported to the Credit Bureau as a bankruptcy debt?
Derek's answer
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Answered on August 20, 2013
I share my colleagues confusion as to what you are asking, but the credit bureaus should report your mortgage and any other debt as having been...
I want to rescind my affirmation about my car chapter 7
Derek's answer
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Answered on August 18, 2013
If you have signed and filed a reaffirmation agreement with the court and the judge has approved the reaffirmation agreement, then you have the...
Archived
If you are in the middle of a chapter 13 repayment plan, are you allowed to secure a loan for home improvement?
Derek's answer
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Answered on August 18, 2013
To expand on my colleagues answers, in order to get a loan to improve your home, you'll have to get the trustee's approval before the court will...
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Archived
Is there anything I can do about my tax debt while in a cht 13 bk repayment plan?
Derek's answer
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Answered on August 18, 2013
The only reason I see that your mortgage interest deduction should change is if you are surrendering your house through your bankruptcy and can...
Archived
Can you refinance your mortgage while in a cht 13 bankruptcy?
Derek's answer
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Answered on August 17, 2013
Yes, you can refinance your home mortgage while in a chapter13, but you will need to get court approval in order to do so and in order to get court...
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