Archived
Husband and I want to file bankruptcy but owe the IRS back taxes and owe NYS Unemployment back payments...can we still file?
William's answer
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Answered on April 28, 2014
You can file chapter 7, but it sounds like some of the debt to the government might not be dischargeable. For that I might consider filing a...
Archived
I am starting my life over after being incarcerated. I will not be able to pay off my large debts. I will file
bankruptcy.
William's answer
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Answered on April 28, 2014
If you are just out this may well be the opportune time to file. The act of filing grants you an automatic stay that will stop the legal actions...
Archived
I have loan modification arm . My attorney wants me to sign a reaffirmation agreement. Is this a good idea?
William's answer
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Answered on April 28, 2014
I have not had a client reaffirm a mortgage since the real estate bubble burst in 2008. Can you find my recommendation in the last sentence?
Archived
HOA Fees Between Bankruptcy Awarded and Trustee Sale
William's answer
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Answered on April 28, 2014
I agree with Doug's assessment. Fees that accrued prior to bankruptcy are discharged. The bankruptcy code addresses this. Fees and assessments that...
Archived
A LARGE AMOUNT OF MONEY WAS STOLEN FROM ME, BUT I HAVE NO PROOF. CAN A LIE DETECTOR BE USED.
William's answer
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Answered on April 28, 2014
I don't think the police or a prosecutor would consider this a theft in Ohio. You made a deal with this person to repay a loan. This friend is not...
Archived
Does your spouse pay back loans from you?
William's answer
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Answered on April 28, 2014
The issue will be whether you intended for him to repay you. Are the loans in writing? Did you secure them by taking liens against his property (...
Archived
I have searched through this website seeking an attorney that can help me with ch 11 for my private student loans. Help?
William's answer
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Answered on April 28, 2014
I don't think you need a chapter 11 unless your total debt exceeds that for a chapter 13. It sounds like you will need what is called a perpetual...
Archived
My nephew and his wife have a small 1970's sailboat and owe me money on it. What happens to that debt if they file bankruptcy?
William's answer
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Answered on April 27, 2014
A lien would be a good idea. It is something you should have demanded when you made the payment. Your problem will be one of timing. I know in Ohio...
Archived
I cosigner for a private student loan. Should I buy a new car before bankruptcy gets filed on this loan?
William's answer
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Answered on April 27, 2014
I fail to see how her bankruptcy will harm your ability to buy a car. One thing you will need to consider is that you will be responsible to pay...
Archived
My BK attorney is in jail. I need schedule B & C from my chapter 13 case which has been discharged and closed.
William's answer
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Answered on April 26, 2014
Go to the clerk of the bankruptcy court. They can help you for free.
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