Blake Owen Brewer's Answers (4091)

Archived

Would 401K holdings go under schedule C in a Chapter 7 Bankruptcy?

Blake's answer | Answered on February 17, 2015

Schedule B is assets, like bank accounts, retirement accounts, etc. Schedule C is where you take applicable exemptions to protect that...

Archived

Is the reaffirmation agreement only for a house or car?

Blake's answer | Answered on February 17, 2015

Reaffirmation is an issue with secured loans, only. Your student loans are unsecured (I have never seen a secured one) so it is not an issue. ...

Archived

Can bankruptcy be filed?

Blake's answer | Answered on February 17, 2015

Yes she can file bankruptcy. She will have to honestly disclose her income and submit an accurate means test in order to qualify for a discharge. ...

Archived

What to do with a bankruptcy charge off of property then a foreclosure put against the said property that was charged off.

Blake's answer | Answered on February 16, 2015

Your credit report should simply show the trade line for the mortgage as "zero balance" discharged in bankruptcy. If so, this is perfectly fine...

Archived

A civil court judgement. Huge credit card debt I can only make $20 pmts. on for the rest of my life = arrest?

Blake's answer | Answered on February 16, 2015

Start living in faith. No one is going to arrest you for the simple of being unable to pay your bills. However bankruptcy may provide you with a...

Archived

In a civil suit, Is an individual protected from bankruptcy when he plead guilty to Battery?

Blake's answer | Answered on February 13, 2015

I am not sure I am following your question, but there are certain debts which cannot be discharged in bankruptcy filings. One of them is where the...

Archived

Summons and complaint for collection lawsuit

Blake's answer | Answered on February 13, 2015

The statute of limitations defense is an affirmative defense defense for your civil lawsuit. If you don't know how to plead it, and prove, based...

Archived

Do I need an attorney?

Blake's answer | Answered on February 13, 2015

I can't figure out who owns the car, who owes money on the car, who the creditor is, etc.

Archived

Can a collection agency press civil and criminal charges against me without proof of my debt?

Blake's answer | Answered on February 13, 2015

This just screams scams. Collection scams like this are so common I wrote an AVVO guide about how to spot them and what to do about them. Here is...

Archived

Can you pay the debt to a collector once the suit is filed to stay out of court ?

Blake's answer | Answered on February 13, 2015

Mr. Edelman is 100 percent correct and knows how to defend these cases on a very high level. Sometimes these cases even prove to contain consumer...

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