Archived
I am filing chapter 7 by myself, I have a car that I still owe for 1.5 years. What happens with that. Do they come pick it up?
Robert's answer
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Answered on July 25, 2015
If the equity in the car is exempt under NY law, then you can keep the car, provided you stay current on you auto loan and continue to maintain...
Archived
Once the order for administrative closing due to bankruptcy stay had been filed, when or will my bank release my frozen funds?
Robert's answer
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Answered on July 24, 2015
In our jurisdiction, our judge has held that the garnishment is effective on the date the writ of garnishment is served even though the funds are...
Archived
I am poor. How can I find out if I can pass a means test to file for chapter 7 bankruptcy and file for free or at a reduced cost
Robert's answer
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Answered on July 24, 2015
Brett is on target with his answer, if you decide to file a bankruptcy. However, if you sole income is SSI, which no creditor can garnish, attach...
Archived
Will I have a problem getting removed from the caivrs list?
Robert's answer
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Answered on July 24, 2015
My understanding is that any adverse information that is less than three year's old must be reported on the CAIVRS report maintained by the FHA and...
Archived
Does all of your bills have to be past due before you can file bankruptcy?
Robert's answer
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Answered on July 24, 2015
There is no requirement for a person to have a specific amount of debt, a specific number of creditors or that the person be behind in his/her...
Archived
What is the catch to the no money down bankruptcy?
Robert's answer
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Answered on July 24, 2015
The only thing that I can think of is that the attorney is advertising that the initial consultation is free. We do not have anyone in our region...
Archived
Can I be charged with a DUI when I was not searched or given any kind of sobriety test?
Robert's answer
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Answered on July 24, 2015
Based upon your side of the story only, it sounds like you have a good chance of winning. However, we don't know what the officer's testimony will...
Archived
I need help with my social security...they were taking some of my money,stopped,and started back again,twice
Robert's answer
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Answered on July 23, 2015
Your SS benefits can be garnished to pay child support. Also, the federal government can keep part of your SS benefits to pay debt owed to the...
Archived
I was discharged on a chapter 7 bankruptcy and two of the creditor is still reporting late payments on my credit report
Robert's answer
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Answered on July 23, 2015
The creditor can report the status of the loan at the time you filed, which would include how far behind you were in monthly payments at that time....
Archived
Chapter 7 bankruptcy was discharged in April 2014. Why hasn't the bank picked up the car I surrendered?
Robert's answer
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Answered on July 23, 2015
There is no requirement under the law that the creditor must pick up the vehicle. You attorney is licensed in Florida and can let you know what...
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