Archived
Can my HOA bill me for unpaid fees which were due prior to chapter 7, if my bank decides to let me keep my house?
Lewis's answer
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Answered on March 14, 2013
Technically, you are not personally liable for the dues owed up to the moment you filed chapter 7. You do owe personally for all dues from the...
Archived
Should I file bankruptcy?
Lewis's answer
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Answered on March 14, 2013
Two years ago, your attorney should have suggested chapter 13 bankruptcy to save the home and go through Orlando BK Court's mortgage mediation...
Archived
I am a real estate broker. I have been approached by an attorney friend who wants to hire my company to do their processing for
Lewis's answer
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Answered on March 12, 2013
Sort of depends on how you are being paid.
If you are a 1099 contractor, or a payroll employee, I don't see a problem.
But fee splitting,...
Archived
I walked away from my home in 2008. Final foreclosure date was in 2010.Wells Fargo sold the second mortgage to a collection
Lewis's answer
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Answered on March 11, 2013
How much is 15%? How much in other debt do you have? Too many variables to get a quick answer here.
But I am guessing a chapter 7 would be a...
Archived
Mort.co.refuses my partial payment.
Lewis's answer
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Answered on March 11, 2013
I think you have a misunderstanding. The mortgage company is within their rights to refuse a partial payment. Unless you bring the account...
Archived
I qualify for 2mp program on my 2nd mtg. Can I file Bankrupcy and try to strip mtg while I'm waiting the outcome of 2mp offer?
Lewis's answer
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Answered on March 08, 2013
If you qualify to strip the mortgage, you certainly can do it in bankruptcy.
But without knowing more, no one can tell you whether you qualify...
Archived
I was told from a collection agency that after two attempt to contact me. They have the right to garnish waged from my employer
Lewis's answer
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Answered on March 08, 2013
They may have violated the Fair Debt Collection Practices Act. They cannot garnish your wages unless they have a judgment against you.
Archived
Can 2nd mortgage be stripped in a shpt 7 B . R . if
Lewis's answer
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Answered on March 02, 2013
No, you cannot strip. Since your home is worth more than what you owe on your first mortgage, the second mortgage as at least partially secured. ...
Archived
Can I strip my 3rd mtg in a chapter 7 (Florida) if the appraised value of my home is more than my 1st mtg balance?
Lewis's answer
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Answered on March 01, 2013
Please listen only to Florida attorneys. You can possibly stri in chapter 7 in Florida after the McNeal decision. Obviously the valuation and...
Archived
Being sued for a home equity loan after a short sale. Tried negotiate but bank lawyer won't agree. can we contact bank?
Lewis's answer
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Answered on February 24, 2013
You should seriously consider a chapter 7 bankruptcy.
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