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Lois Beasley-Carlisle
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Lois Beasley-Carlisle’s Answers

194 total


  • Will I be able to include everything in bankruptcy?

    I purchased a new vehicle. I was in review with my mortgage company to get a loan modification. If I file bankruptcy will I be able to include the vehicle as well?

    Lois’s Answer

    I am assuming that you are in the loan mod because you are behind in your house payments? I would recommend a consult with a bankruptcy attorney as your issues are probably more than what you realize and have some consequences that need explained depending on how you proceed. There could be some issues a creditor in bankruptcy could raise about good faith in that you just purchased the vehicle yet you want to file bankruptcy right now. These issues need discussed in advance of filing a bankruptcy.

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  • Can I request a payment plan at a court hearing for eviction due to non payment of rent?

    I am currently being evicted due to being behind on rent by two months. I will be able to pay, however I am currently on a leave of absence from work due to a medical disability. My job offers short term disability benefits which covers 65% of my ...

    Lois’s Answer

    Sure but it is also possible they will evict you because they have taken this step and haven't agreed so far. Another option is Chapter 13 bankruptcy. You would do well to make an appointment before court with a bankruptcy attorney. You can, depending on the length of your lease restructure your debts to catch up your rent and make it affordable to pay your bills.

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  • We are still married but have been separated for 8 years. I do want to help her out by giving her $600.00 a month.

    I would like to get this put into writing at this time. We might reconcile in the future.what would it cost to put this i legal writing.

    Lois’s Answer

    Do you want to get an actual legal separation or just sign an agreement to give her $600.00 a month? If you file for legal separation she can turn it around and ask for a divorce as a counterclaim. I would suggestion an appointment with me or another attorney to discuss these things.

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  • Can i be sued for an old credit card debt.

    Can i be sued for a credit card i got when i was 18 now that i am 26. Also there have been several attempts to collect the debt within the past few months. The first time i settled with them and received no more calls. the second happened about tw...

    Lois’s Answer

    Yes anybody can sue you for anything. Get a lawyer to help you if they sue you. Get all your documents together to let an attorney review them. Perhaps paying a lawyer to write them a letter will take care of the problem. Also perhaps the calls are not legitimate.

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  • I been trying to see my son but his mother won't let me have anything to do with him because I dont want to be with her

    Seeking child support I will take care of my child but she dont want him around me cause I won't be in a relationship with her I have two other children and I think theysshould know their brother and he should know us what do I need to do she tryi...

    Lois’s Answer

    If you don't have court ordered visitation established you need to petition to get it established. If you do have visitation already ordered you need to write her a letter each time she refuses to let you see your child and keep a copy of it. After writing three letters and missing three visits file a petition for Rule Nisi for contempt.

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  • We have a serious problem with a gentleman claiming to own our church. Can a letter from an attorney help us?

    He is an inactive member of the church. In 1994 a warranty deed was done with two names listed as trustees for the church. One of the men signed an affidavit of possession along with two others in 1998 that all the property belonged to the church....

    Lois’s Answer

    Sounds like more than a letter might be needed. You might need an attorney to respond to litigation and/or file an action to quiet title if it comes to that. Have him produce whatever documentation he says proves his ownership and take it to an attorney to review.

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  • My landlord is evicting his tenant dued to renanvation can he do that.?

    He won't move us in another one of his buildings

    Lois’s Answer

    Have the premises you are living in become unsafe? You can file an answer if they are safe, that your rent is current, etc. that your lease is not up when he files a complaint with the court or you can hire an attorney to do this for you. What you file in an answer will depend on the complaint filed. The court will set it for trial and have a hearing.

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  • Statute of limitations on a credit card debt

    I received an email from a creditor 2 days ago saying I owed about $2,000 to Chase. I called them as I have nothing on my credit history, and they let me know it was from an account that I last paid on in 1999. They kind of cornered me into a se...

    Lois’s Answer

    The statute of limitations is generally 3-6 years from the date of your last payment.

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  • I was wondering is there anyway i can surrender my car loan or file bankruptcy with out hurting the co signer?

    the co signer is my grandpa and hes not wanting to mess up his credit score

    Lois’s Answer

    It may be that you can restructure or bankrupt on your other debt to enable you to keep this car. Feel free to make an appointment with myself or another bankruptcy attorney to do this. If you surrender the car it will hurt your grandfathers credit.

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  • Question about Statute of Limitations on debt...

    If I pay for six years upon a debt, does the debt become barred after six years? I told the creditor this, however, they came back and said that the SOL does not apply because I have been paying it for six years? Can someone explain the SOL ...

    Lois’s Answer

    The SOL is 3-6 years from your last payment usually depending on the state and type of debt and depending on who is collecting it. There are some debts that have a longer SOL such as child support, taxes and criminal restitution. If the debt is overwhelming you, you might want to contact a bankruptcy attorney.

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