Questions answered by Scott Russell Needleman

Archived

How does filing a ch 7 affect taxes that are 7 years old?

Scott's answer | Answered on May 31, 2013

Typically income taxes may be dischargeable if all of the stars are in alignment. If there have been no levy's or assessments, taxes over 3 years...

Archived

I live in Ohio, the Tax department sent me letters from an attorney debt collector. The letter states I owe school tax.

Scott's answer | Answered on May 30, 2013

As a strategy to proceed, use honey and not vinegar. You are dealing with an office worker that is just trying to sort it out. If they cant help...

Archived

If my loan was discharged in a bk 7, the home was foreclosured, has an attorney for the lender get a judgement against me?

Scott's answer | Answered on May 30, 2013

Based on your facts, absent a dismissal of the lawsuit by the creditor filed with the court, I would aggressively pursue a discharge violation.

Archived

In a Chapter 7 bankruptcy case, wht happens when one spouse dies before the case is final?

Scott's answer | Answered on May 27, 2013

If you live in Ohio, the proceeds should be exempt if the spouse of the decedent was the beneficiary. The car loan, assuming it was in the name of...

Archived

Am I responsible for my husbands credit cards if I am an authorized user? He might file bankruptcy.

Scott's answer | Answered on May 27, 2013

In Ohio, if you did not sign the original loan application, and you are simply an authorized user, it is technically not your debt as you did not...

Archived

Vehicle surrender during bankruptcy

Scott's answer | Answered on May 24, 2013

Yes you can surrender it however you may still be responsible for the debt pursuant to your divorce decree. If your wife objects either in...

Archived

Filed cpt 13 in early January 2013. Due to unforseen circumstances, we were advised to halt 13 and agreed with the attorney,

Scott's answer | Answered on May 24, 2013

I am confused on why you did not convert your case from a 13 to a 7. You may not have been able to because of prior filing. Check with your...

Archived

Will bankruptcy keep mortgage company from coming after you if you are foreclosed on?

Scott's answer | Answered on May 23, 2013

Keep in mind that if you file bankruptcy, the deficiency balance can be discharged. As to tax consequences, if you were insolvent at the time of...

Archived

How do you release a lien after the lienholder fails to commence suit and the sixty days had past?

Scott's answer | Answered on May 22, 2013

I would need to meet you and get more information about this situation. It sounds like a Judgment lien, however, without more details, this...

Archived

Unmarried couple, both need two cars, chapter 7 bankruptcy

Scott's answer | Answered on May 22, 2013

Assuming there is no non exempt equity in either vehicle, and you can afford it, it should not be a problem. If your Bankruptcy Petition shows a...

Scott Russell Needleman's Answers (407)

How does filing a ch 7 affect taxes that are 7 years old?

I live in Ohio, the Tax department sent me letters from an attorney debt collector. The letter states I owe school tax.

If my loan was discharged in a bk 7, the home was foreclosured, has an attorney for the lender get a judgement against me?

In a Chapter 7 bankruptcy case, wht happens when one spouse dies before the case is final?

Am I responsible for my husbands credit cards if I am an authorized user? He might file bankruptcy.

Vehicle surrender during bankruptcy

Filed cpt 13 in early January 2013. Due to unforseen circumstances, we were advised to halt 13 and agreed with the attorney,

Will bankruptcy keep mortgage company from coming after you if you are foreclosed on?

How do you release a lien after the lienholder fails to commence suit and the sixty days had past?

Unmarried couple, both need two cars, chapter 7 bankruptcy