Questions answered by Richard A. Steadman Jr.

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Should I file bankruptcy?

Richard's answer | Answered on November 04, 2014

Please contact a local bankruptcy attorney in your area before you refinance. Check Avvo.com. I have seen many people who added debt to their...

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My husband co- signed our son's Sallie Mae student loan. If he dies & son becomes delinquent can they come after me?

Richard's answer | Answered on November 04, 2014

I agree with Mr. Cantrell. Should he pass away, you should consult a probate attorney to evaluate whether the estate is sufficient enough to pay...

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Approved for Chapter 13 Plan but now I want to withdrawal my bankruptcy claim. Can I do that?

Richard's answer | Answered on November 04, 2014

First - speak with your bankruptcy attorney and listen to their advice. He or she should be experienced in the effects of canceling your...

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When renting from a realty co if they make a error on the rental amount who is responsible for the difference?

Richard's answer | Answered on November 04, 2014

You signed the lease agreement, right? It was presented to you prior to you moving in. You should have been aware of the correct lease amount and...

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Should I file bankruptcy before or after divorce is final , its already in progress (the divorce )

Richard's answer | Answered on November 04, 2014

Filing Bankruptcy first jointly as married but separated generally will be efficient and less costly for attorney fees and filing fees. It will...

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My husband passed away and now they are foreclosing on my house. What can I do?

Richard's answer | Answered on April 13, 2010

I would reccomend that you consult an attorney that is familiar with real estate, probate and mortgage foreclosures. If you have been served with...

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If you make smaller payments on a bill than what is requested and they accept it consecutively 3 times is it a contract.

Richard's answer | Answered on April 13, 2010

Typically, the answer is no. In some instances the course of dealing without objection by a party could give proof of an agreement between the...

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Can i file chapter 13? my chapter 7 was filed 10/21/2001

Richard's answer | Answered on April 13, 2010

Yes, the limitation on filing Ch 13 at this time is 4 years from the date of filing of your Ch. 7 Petiton. If you file a new Ch. 7 be aware that...

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Is my credit effected if my mom is going through bankruptcy and she is my co-signer for my car?

Richard's answer | Answered on February 01, 2010

Your credit may be affected by the creditor reporting that the account is in bankruptcy. It should not say that you are. Your best option is to...

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How can I protect my credit if husbands ex ends up in forclosure with his name still on the mortgage?

Richard's answer | Answered on February 01, 2010

Since you are not on the note and mortgage, it cannot appear on your credit. You and your husband have separate credit files. Only debt that you...

Richard A. Steadman Jr.'s Answers (38)

Should I file bankruptcy?

My husband co- signed our son's Sallie Mae student loan. If he dies & son becomes delinquent can they come after me?

Approved for Chapter 13 Plan but now I want to withdrawal my bankruptcy claim. Can I do that?

When renting from a realty co if they make a error on the rental amount who is responsible for the difference?

Should I file bankruptcy before or after divorce is final , its already in progress (the divorce )

My husband passed away and now they are foreclosing on my house. What can I do?

If you make smaller payments on a bill than what is requested and they accept it consecutively 3 times is it a contract.

Can i file chapter 13? my chapter 7 was filed 10/21/2001

Is my credit effected if my mom is going through bankruptcy and she is my co-signer for my car?

How can I protect my credit if husbands ex ends up in forclosure with his name still on the mortgage?