Archived
I am the primary on two loans. My mother is the co signer. She is filing chapter 13. Will this affect my credit score?
Derek's answer
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Answered on August 08, 2012
I agree that it should not affect you. If it does show up on your credit report, send a dispute letter to the credit reporting agency disputing...
Archived
Should I file a Chapter 13. See details.
Derek's answer
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Answered on August 08, 2012
Without knowing more it is difficult to answer your question. One thing I can tell you is that the plan payment amount necessary to cure a $100k...
Archived
I have taken a loan of 5,000$ with my husband and two guarantors. Soon after that I faced up the foreclosure and other problems
Derek's answer
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Answered on August 07, 2012
Your filing bankruptcy would not affect your husband's nor the guarantors responsilbility for the debt and they could be sued or reported to the...
Archived
Following an accident, I filed Ch-13 in 2002 to save my home from foreclosure. Then and now, my only debt was my 30 YR MTG
Derek's answer
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Answered on August 05, 2012
Send a letter disputing the lack of reporting to the credit bureaus asserting that you have made the last ten years (or a shorter term if you...
Archived
Can the US Trustee force me to pay them my tax refund after local trustee discharge approval?
Derek's answer
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Answered on August 03, 2012
The trustee assigned to handle your Ch7 owns everything you own until s/he files a notice of abandonment or a report of no distribution in a case...
Archived
If you file ch. 13 bankruptcy does it stop the foreclosure proceeding from the bank?
Derek's answer
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Answered on August 03, 2012
Normally a Ch13 filing will stop the foreclosure of a house but as my colleague pointed out there are some circumstances where it would not. If...
Chapter 13 and Mortgage Company not Filing a Proof of Claim
Derek's answer
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Answered on August 01, 2012
Since you are represented by counsel for this matter you really need to speak with your attorney about this. If GMAC does not file a proof of...
Selected as the best answer
Regional Finance is trying to have criminal charges brought against me stating I disposed of the collateral.
Derek's answer
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Answered on August 01, 2012
Bankruptcy protects you from efforts to collect on a debt. It does prevent criminal actions against you unless they are really efforts to collect...
Archived
Can a chapter 13 attorney help me?
Derek's answer
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Answered on July 31, 2012
Unfortunately Congress has refused to give bankruptcy judges the power to modify mortgage loans on your primary residence., so no the judge cannot...
Archived
My sister & her husband filed a Chap 13 bankruptcy. He died and she cannot afford the $3600 monthly payment. What are options
Derek's answer
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Answered on July 27, 2012
I agree with Mr. Corbin. However, she needs to ask this question as we cannot assist you in the practice of law, which you would be doing if you...
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