Questions answered by David John Rausa

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When you file bankruptcy do the creditors take back the items you purchased like bed room sets etc...

David's answer | Answered on March 15, 2015

The creditors cannot just take things. To take any action they have to request permission from the court. This applies in a chapter 7. No creditor...

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I need help with my HOA, first they have initiated a wrongful foreclosure & now they have served papers to sue us for assessment

David's answer | Answered on March 15, 2015

You need to seek the assistance of counsel right away. The lawsuit needs to be addressed as well as the pre-bk lien. There are several local...

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How much should I pay for a bankruptcy when I am completely broke and no assets except clothes?

David's answer | Answered on March 15, 2015

I know that some of the responses were not what you wanted to hear. I am not sure why you would want to file a bankruptcy at this time if the only...

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Am I still liable for credit card debt after the bankruptcy filed and discharged?

David's answer | Answered on March 13, 2015

This is very typical and against both the bankruptcy laws and the Fair Debt Collection Practices Act. Theses type of cases are handled on a...

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Our small company is faced with going out of business. Can chapter 7 work for us.

David's answer | Answered on March 13, 2015

Sorry for the business slow down. You will need to sit down with a bankruptcy attorney so the personal and solely business exposure can sifted out....

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How soon before the creditor's meeting can I amend Schedules A and C?

David's answer | Answered on March 13, 2015

Amend your schedules and bring a copy for the trustee to your hearing. If you owe money on your real property and did not list the loan on D, you...

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I filed chp 13 jan-2011 and it was dismissed in april 2013. Because it was dismissed am i liable still for all the credit card c

David's answer | Answered on March 12, 2015

Since your chapter 13 was dismissed rather than discharged, then you are liable inthe debt. If you file a Chapter 7 now, it will be a new case and...

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I have 2010 vehicle I still owe on, currently inop due to engine probs will cost 2-6K to fix umemployed. Shud volunteer repo?

David's answer | Answered on March 12, 2015

If you can no longer afford the car payments, then the car lender will reposess the vehicle, sell it and pursue a deficiency against you. If you...

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Can i file for chapter 7 bk if im not working and have no income?

David's answer | Answered on March 12, 2015

It appears that you are a good candidate for a chapter 7 bankruptcy. This will relieve you of your personal liability on those debts, and stop the...

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I have a legal document and want to know if it is within the law of California

David's answer | Answered on March 11, 2015

I would advise you to make an appointment with a local attorney, or contact one directly. This is not a good place to review documents.

David John Rausa's Answers (2016)

When you file bankruptcy do the creditors take back the items you purchased like bed room sets etc...

I need help with my HOA, first they have initiated a wrongful foreclosure & now they have served papers to sue us for assessment

How much should I pay for a bankruptcy when I am completely broke and no assets except clothes?

Am I still liable for credit card debt after the bankruptcy filed and discharged?

Our small company is faced with going out of business. Can chapter 7 work for us.

How soon before the creditor's meeting can I amend Schedules A and C?

I filed chp 13 jan-2011 and it was dismissed in april 2013. Because it was dismissed am i liable still for all the credit card c

I have 2010 vehicle I still owe on, currently inop due to engine probs will cost 2-6K to fix umemployed. Shud volunteer repo?

Can i file for chapter 7 bk if im not working and have no income?

I have a legal document and want to know if it is within the law of California