Archived
Filed Ch 7 and surrendered home Discharged Nov. 08 Can a Judgement be put against me 1 year later for the home I surrendered?
David's answer
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Answered on May 02, 2013
You need to return to the attorney that filed your chapter 7. If the mortgage holder was listed in the bankruptcy and you did not reaffirm the...
Archived
Does a statue of limitations apply to when a loan was last paid on or when the loan went into default?
David's answer
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Answered on May 02, 2013
This answer would vary by state and I do not know the laws in your state. In Georgia, the general rule is that the statute of limitations on a...
Archived
Has anyone ever won their lawsuit against CACH, LLC? Judgment just entered against me, and I want to hire an attorney/appeal.
David's answer
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Answered on May 02, 2013
CACH, LLC buys delinquent accounts and sues to collect. I do not know the Florida laws so you will need to speak with a Florida attorney. Just...
Archived
Do I need a lawyer for help with overdue student loans?
David's answer
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Answered on May 02, 2013
I'm with you, I would not give it to them either. You have the right to request them to provide you information regarding any claim they are...
Archived
Do I have to wait an additional 30 days due to the credit agency dispute reason error?
David's answer
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Answered on May 02, 2013
Generally speaking, if you believe that an entry on your credit report is false, inaccurate or misleading, you can dispute it. Once you dispute...
Archived
If guaranteed loan is foreclosured & home auctioned & remaining debt pd by USDA, can debt with USDA be discharged in bankruptcy?
David's answer
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Answered on May 02, 2013
Generally speaking, a USDA real estate deficiency is no different that any other lender real estate deficiency and generally can be discharged in...
Archived
To file for bankruptcy or not to?
David's answer
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Answered on May 02, 2013
Your decision to file or not file a bankruptcy depends upon a lot of competing interests in your circumstances such as how much equity do you have...
Archived
How long must I wait before I can apply for a secured credit card? Is this a good step towards rebuilding my credit?
David's answer
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Answered on May 02, 2013
Other than the ideas already mentioned, you can save up a $1,000.00 and place it in a certificate of deposit at a bank or other lending...
Archived
Super Priority Loans- My firm will consider offering while client is in Chapter 11. Are Trustees/Courts in favor of this loan?
David's answer
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Answered on May 02, 2013
In my opinion, the problem you will face is how to market this lending. You would have to be a part of the solution prior to filing the chapter 11....
Archived
If my HOA forecloses on the lien and take title of my home,would I be responsible for the mortgage whenever the bank forecloses?
David's answer
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Answered on May 02, 2013
Generally speaking, if you filed a chapter 7 and surrendered the property and never filed a reaffirmation agreement, that debt is discharged as to...
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