Archived
Why are these bills killing my credit score. Im only 19 . is it my fault or my mothers fault for these debts.
Robert's answer
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Answered on April 15, 2016
If some of the medical debt was incurred prior to the age of 18, then you would not be responsible for those medical bills in my state. Odds are...
Archived
How long do I need to live in Arizona before I can file for bankruptcy 7?
Robert's answer
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Answered on April 15, 2016
The 91 days mentioned by Ross & Jeffrey is accurate. If you have a need to file sooner, you can file in California and you can attend your meeting...
Archived
Should my mortgage company be reporting payment history post chapter 13 discharge?
Robert's answer
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Answered on April 15, 2016
You are correct about reaffirmation not applying in a chapter 13. In a chapter 7, a reaffirmed debt is not discharged. In a chapter 13, the...
Archived
Can the Hoa filed another lien with the amount that was already stripped and satisfied? I'm paying my fees...
Robert's answer
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Answered on April 14, 2016
There are not enough facts to understand what happened. However, I can say that the only HOA dues that are affected by the bankruptcy filing are...
Archived
Will refinancing with my current mortgage lender negate my rights from chapter 7 BK laws?
Robert's answer
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Answered on April 14, 2016
If you did not reaffirm the house mortgage, then by refinancing the debt with another lender, you will be liable for the new or refinanced loan in...
Archived
I am being sued for an accident I was involved in prior to being married. Can they come after my husband's money?
Robert's answer
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Answered on April 14, 2016
In most common law states, and GA is a common law state, once you put money in a joint account, each of you become owners of the funds. This could...
Archived
Since Navient is being sued, am I able to get my private loan balance wiped out or reduced if I hire an attorney myself?
Robert's answer
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Answered on April 14, 2016
Sallie Mae now only handles private student loans. When Sallie Mae went in that direction, all of its federal student loans were transferred to...
Archived
Do I have to know the exact dollar amount of each creditor? What if I don't for some of them?
Robert's answer
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Answered on April 14, 2016
It helps to put the exact monthly payment on any debt that you intend to reaffirm on schedule J, but even that is not necessary. Means test $...
Archived
What can be done if anything about my name being on the car as a co-signer? If she refuses to pay since she's filed bankruptcy?
Robert's answer
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Answered on April 14, 2016
The only set of facts that will allow you do do anything to the primary signer that has filed a chapter 7 would be that you were once married and...
Archived
Do we have to go thru a bankruptcy in our situation?
Robert's answer
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Answered on April 14, 2016
From what I can tell online, it appears that state exemptions in Pennsylvania are very low, but if you file for relief under the bankruptcy code,...
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