Questions answered by Sharon T. Sperling

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I filed a Chapter 13 in Florida but forgot to disclose a civil case in a different state and county is that okay

Sharon's answer | Answered on March 17, 2015

It's NOT OK. Disclose the suit immediately. You don't say if it's still open or if you are the plaintiff, but if it was pending within the 12...

Archived

What documents do I need to get to the trustee before the 341 meeting?

Sharon's answer | Answered on March 17, 2015

If you file pro se, call the Chapter 7 trustee's office and ask. If you have an attorney, ask your attorney. The bankruptcy code only requires...

Archived

Is there any way I can get my bankruptcy case reviewed by another attorney while I still retain my current attorney?

Sharon's answer | Answered on March 17, 2015

Have you actually contacted more than one other bankruptcy attorney? I would never tell someone that they have to actually fire their attorney...

Archived

If a credit card debt was cancelled before my bankruptcy was finally discharged, but I listed it on my petition anyways...

Sharon's answer | Answered on March 10, 2015

If the debt cancellation was in 2013, you may need to file an amended 2013 return with Form 982. You can indicate on Form 982 that the debt was...

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Got divorced last August and one of the account that is showing up in my credit report it is an authorized account

Sharon's answer | Answered on March 10, 2015

If you were only an authorized user AND you never charged anything on the account, dispute the debt. Contact the credit reporting agency and to...

Archived

I have a question about bankruptcy Chapter 13.

Sharon's answer | Answered on March 10, 2015

Ask your lawyer to get a pay schedule report from the Chapter 13 trustee. This report shows what your required payment was for each month of the...

Archived

If I went bankrupt in 2007 when can I go bankrupt again?

Sharon's answer | Answered on March 09, 2015

It looks like the others who answered this question assume you meant that you filed Chapter 7 and got a discharge in 2007 and you want to know if...

Archived

Wages are already being garnished is it to late to file a "Head of Family" exemption?

Sharon's answer | Answered on March 03, 2015

I disagree, because you can't use Florida exemptions against a federal agency. You should make sure that the levy on your wages is correct under...

Archived

Can you have a home title changed before filing Bankruptcy?

Sharon's answer | Answered on February 25, 2015

I agree with what the other attorneys have told you, and I would just add that you need to know what the house is worth, whether there are any...

Archived

I have a question about creditor claims when converting a chapter 7 to a chapter 13.

Sharon's answer | Answered on February 23, 2015

The Trustee is in a better position than you are to litigate your tort claim, because there are many cases holding that even if the defendant could...

Sharon T. Sperling's Answers (91)

I filed a Chapter 13 in Florida but forgot to disclose a civil case in a different state and county is that okay

What documents do I need to get to the trustee before the 341 meeting?

Is there any way I can get my bankruptcy case reviewed by another attorney while I still retain my current attorney?

If a credit card debt was cancelled before my bankruptcy was finally discharged, but I listed it on my petition anyways...

Got divorced last August and one of the account that is showing up in my credit report it is an authorized account

I have a question about bankruptcy Chapter 13.

If I went bankrupt in 2007 when can I go bankrupt again?

Wages are already being garnished is it to late to file a "Head of Family" exemption?

Can you have a home title changed before filing Bankruptcy?

I have a question about creditor claims when converting a chapter 7 to a chapter 13.