Archived
Can a credit card company issue a lien on a house & demand payment from a surviving spouse if their name wasn't on the account?
Stefen's answer
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Answered on August 23, 2016
The creditor can attach a lien only after they first file suit and then obtain a Judgment. Further, lien attachment will only occur if the parcel...
Archived
My husband has not paid the mortgage in years and our home is in foreclosure.
Stefen's answer
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Answered on August 22, 2016
Certainly, you can speak to the financial institution. However, while they may provide you general information they are unable to provide you...
Archived
Can i file chapter 7..im behind 7000$ cannot come up with 7000$ i can pay my payment of 650 a month..but bank wants all 7000$
Stefen's answer
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Answered on August 22, 2016
A Chapter 7 will not assist you in retaining the home. Should that be your intentions, and assuming that you have no other debts outstanding other...
Archived
72 yr old widow,living on $1,000 mo,have 3 credit cards I pay each month, what happens to this debt ($4,000) when I die,no asset
Stefen's answer
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Answered on August 22, 2016
If you have no real estate, investments, cash or any alternative assets at the time of your death then the creditors will have nothing of value to...
Archived
Can I file bankruptcy to get a "stay" from a property tax foreclosure?
Stefen's answer
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Answered on August 22, 2016
If eligible, the filing of either a Chapter 7 or Chapter 13 Bankruptcy will usually result in issuance of Stay. Consequently, it would be...
If I pay off debt is the lawsuit automatically dismissed?
Stefen's answer
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Answered on August 19, 2016
Nothing happens automatically. A Dismissal must be prepared by counsel for the creditor and then filed with the Court. If you choose to represent...
Archived
My home is about to be in foreclosure, and I need to seek assistance to help me with the process .
Stefen's answer
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Answered on August 19, 2016
I would not suggest that you solely adhere to the housing counselor's opinion nor the servicer's denial of the Deed-in-Lieu as the solitary bases...
Archived
If I do a chapter 7 and then enter into a loan modification on my mortgage afterward, am I now personally liable again?
Stefen's answer
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Answered on August 17, 2016
If you successfully completed the Chapter 7 and received a Discharge of your Mortgage, and then received a Loan Modification of that same...
Archived
My landlord wants me to sign a lease with their bank. Landlord has been multiple times in foreclosures as well as refusing to ma
Stefen's answer
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Answered on August 17, 2016
A review of records with the County Recorder would typically reveal the identify of the property owner. That being said, the initiation of a...
Archived
My husband got divorced last year
his name is on the title but not on the Mortgage how can refinance
Stefen's answer
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Answered on August 16, 2016
Financial institutions like paper trails. It may be best to just commence paying by personal check at this time, and continue to do so until a...
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