Questions answered by Sherry Lee Ellis

Archived

I sent payment for a debt receiver said they did not receive the money order. Do I have to send money again ?

Sherry's answer | Answered on August 28, 2014

I agree with Ms. Wessley. Keep in mind, you can be taxed on debt forgiven, depending on your income. I always recommend using a Bankruptcy Lawyer...

Archived

I have an agreement with several chg cards that closed my acct on my asking and lowered the int rate being I was having hardship

Sherry's answer | Answered on August 28, 2014

I am sorry you are in this predicament. First, consult with a bankruptcy attorney. Second, find out if their is equity in your home. It is...

Archived

What percentage should I pay to settle a debt with a lump sum?

Sherry's answer | Answered on August 28, 2014

I would look at your overall debt and analyze if it is medical debt, credit card debt, mtg. in arrears, etc. You don't want to settle one debt and...

Archived

How long does it take to transfer property to bank after chapter 13 is completed?

Sherry's answer | Answered on July 08, 2014

You are not alone. This is one of the most difficult challenges facing my Bankruptcy clients who have surrendered their home. These Zombie...

Archived

Can I get rid of my homeowners association lien in a Chapter 7 bankruptcy?

Sherry's answer | Answered on June 24, 2014

I can't tell if you are keeping your home or surrendering your home in the Bankruptcy? If my clients are surrendering their home, generally...

Archived

Divorced last year. Ex husband filed Ch 7 while we were separated and included the house we both own without my knowledge.

Sherry's answer | Answered on June 24, 2014

Your former husband filed a Chapter 7 during the period you two were separated. He included Real Estate titled in both your names yet you were...

Archived

Chapter 7 Bankruptcy

Sherry's answer | Answered on June 24, 2014

Hello I concur with attorney Barry Roreck. There are exceptions and yes, there are nuances that should be discussed with a professional. For...

Archived

Can I file bankruptcy on my own to keep my car from being repossessed?

Sherry's answer | Answered on June 15, 2014

Before you make a decision visit http://www.flmb.uscourts.gov. Click on the FILING WITHOUT AN ATTORNEY tab. This website will also answer your...

Archived

I am currently in a CH13 plan and can't continue to pay, I would like to convert to a CH7 but my attorney wants me to wait.

Sherry's answer | Answered on June 15, 2014

You are living off your credit cards? I may have misunderstood but if you're in a ch 13, you should not be using credit cards. Simply ask your...

Archived

I am divorced 2 years ago. My ex is harassing me about credit cards debts. Am I responsible for credit cards debts?

Sherry's answer | Answered on April 19, 2014

Did your ex pay the credit cards voluntarily or as underlined in your divorce decree? If the divorce was two years ago it would seem odd that...

Sherry Lee Ellis's Answers (43)

I sent payment for a debt receiver said they did not receive the money order. Do I have to send money again ?

I have an agreement with several chg cards that closed my acct on my asking and lowered the int rate being I was having hardship

What percentage should I pay to settle a debt with a lump sum?

How long does it take to transfer property to bank after chapter 13 is completed?

Can I get rid of my homeowners association lien in a Chapter 7 bankruptcy?

Divorced last year. Ex husband filed Ch 7 while we were separated and included the house we both own without my knowledge.

Chapter 7 Bankruptcy

Can I file bankruptcy on my own to keep my car from being repossessed?

I am currently in a CH13 plan and can't continue to pay, I would like to convert to a CH7 but my attorney wants me to wait.

I am divorced 2 years ago. My ex is harassing me about credit cards debts. Am I responsible for credit cards debts?