Over the years I've accumulated a few tickets and driving under suspension charges. It has added up over the years, and now I have a child and another on the way and I need to get legal. I do not have the money for a lawyer, and definitely cannot ...
Great question! Each case is unique, so no definitive answer can be given online. However, I have seen cases in which the local Courts will work with you. It is in everyone's best interest to have valid drivers. I would start by calling the court directly. Also, be aware if you have any outstanding warrants from old cases.
Hope this helps.
Hello my names Ashtyn I am in a lot of debt with two repossessed vehicles one as a co signer and a lot of other things, I also haven. A insurance company charging me for a bill on a vehicle accident and was not covered. Would bankruptcy be. A good...
Excellent questions. Based on your message, bankruptcy sounds like it may provide the relief you are seeking. The best place to start is by scheduling a free consultation with an experienced bankruptcy attorney. This attorney will discuss your options and help you make an informed decision. Hope this helps.See question
I didn't list a couple things...like assets..non taxable income for adopted children which were direct deposit to my account...and property from a rental place that was not paid for that I listed on my schedule as rental fees to them instead.
Excellent question. You should contact your attorney promptly to discuss amending your bankruptcy petition. Parts of your fact pattern concern material omissions which need to be fixed. A bankruptcy petition is a court document subject to the laws of perjury, so fixing mistakes/omissions promptly is important. Hope this helps.See question
I filed for bankruptcy in Ohio in June of 2016 and was confirmed in Oct 2016. Like a fool I took out some payday loans online in Nov 2016 because I was desperate. I now cannot afford to pay the loans because I am being garnished for the bankruptcy...
When reading your question, it sounds more like you filed for Chapter 13 bankruptcy relief? If yes, then you need to discuss this situation promptly with your attorney. The Courts are strict about acquiring post-petition debts while in a Chapter 13 repayment plan. Hope this helps.See question
The garnishment is from a judgement in 2004. They are proposing to take about $200 a month from my pay.
I agree with Attorney Bunce. I also have never met someone who can afford a wage garnishment. That being said, there are likely multiple options for you to explore. A great place to begin is a free consultation with an experienced and local bankruptcy attorney. If bankruptcy is not the best route, possibly consider negotiating with the creditor to arrange a payment plan which is less than a wage garnishment, or alternatively, will they settle for a lump sum (i.e. % of what you owe)? There are likely a few more options, but these are great places to begin collecting knowledge on the subject. Hope this helps.See question
Lost my job. Converted my case to chapter 7 my lights will be turned off tomorrow. Will they still be shut off?
Generally speaking, you are likely protected by the automatic stay and should be fine with utilities. Be sure to promptly contact your attorney to ensure that your utilities/creditors got notice of your bankruptcy and also to confirm that your automatic stay remains intact. Good luck.See question
I will be out of the US for at least a year. In the mean time my creditors are threatening to take me to court. At this point I think bankruptcy is my best option. I read, I need to be present for at least one meeting during the bankruptcy proceed...
I agree with Attorney Bunce. A telephonic hearing is a possibility and should be discussed with your attorney. Another situation arises when there is a Power of Attorney scenario (i.e. military spouse). Your attorney can discuss these options with you more. Your testimony at the Creditors Meeting is mandatory and the ultimate penalty could be dismissal of your case.See question
I have a judgement against me to an insurance company for an unpaid debt. I found out by finding out my license was suspended. The day I found this out I contacted the lawyer that represent who the dent is for (State Farm Insurance). He said I owe...
I agree that a consult with a qualified bankruptcy attorney is your next option. Generally speaking, accident judgments can be discchargeable in a chapter 7 bankruptcy. Exceptions do apply and a competent bankruptcy lawyer can discuss this with you. Also, your attorney might choose to directly contract the holder of the debt and see if something else can be worked out, in lieu of you filing bankruptcy. Hope this helps.See question
My girlfriend/fiancee live together. Our finances are completely separate i.e. bank accounts, debts etc. She pays me rent and utilities. She is filing for chapter 7 bankruptcy. She is at the point in the process that the petition just needs to be...
I agree with Attorney Brewer. Your supplying financial information only impacts her filing status. It does not affect you otherwise. Your assets are not at risk.
I would simply add that I ask my clients for similar information. I have found this to be more of a common occurrence in the last few years as the definition of "household" seems to be evolving. Your attorney can discuss your particular situation with you and advise accordingly. One factor that I look for is whether or not the debtor and the "housemate" are living similar to a household? (i.e. shared rental agreement, joint bank accounts, joint utility bills, long term engagement, etc...) Hope this helps.See question
I filed bankruptcy earlier last year and I am in a situation where I have to file again probably very soon
This is problematic scenario which we see occasionally. As general education, if you filed chapter 7 bankruptcy and received a discharge, then you are not entitled to receive another chapter 7 discharge for 8 years from the filing date. Chapter 13 bankruptcy (repayment plan version) may be available to you, but be sure to ask your attorney if it is feasible for you. Even if you file chapter 13, it is unlikely you will receive a discharge. Generally, 4 years must pass before a debtor can receive a discharge in a successful chapter 13 case which follows a chapter 7 discharge. One idea to discuss with your attorney is whether or not you can use the 3-5 year general payment period to pay off your debts (without a discharge). Sometimes this payment plan concept can stop creditor collections and maybe give you a monthly payment which is more attractive that what you are presently paying. Hope this helps.See question