Archived
Can a property owner who has received a foreclosure judgment against them by the court still seek to mitigate the circumstances?
Charles's answer
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Answered on March 12, 2013
There is no way to force the bank to accept your terms and call off the foreclosure sale. Lately, a lot of banks are stringing people along with...
What are my rights as an 18 year old in Ohio?
Charles's answer
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Answered on March 12, 2013
You can also join the army, but you you can't drink (inside of Ohio). You can drive a loaded MA1 tank, but you can't get a weapons permit. Go...
Archived
Can a lien be placed on property from a creditor included in a chapter 7 bankruptcy before or after it has been discharged
Charles's answer
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Answered on March 12, 2013
No valid lien can be placed on a bankrupt's property after the bankruptcy is file. Notice that this does not depend on whether the discharge has...
Archived
Received notice to quit 2 days after rent was due while landlord is in foreclosure, not sure if it's a legal notice to quit?
Charles's answer
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Answered on March 10, 2013
The landlord retains legal title to the property at all times throughout any foreclosure that is filed against them. Title is only changed when...
Archived
I received a settlement letter that clearly says they have the right to collect the deficiency. Can I do anything right now?
Charles's answer
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Answered on March 10, 2013
I think that you will find that a Form 982 will solve the tax problem created by the Form 1099. It's available at IRS.gov. I would not file file...
Archived
I have received a 1099c , but why since I have been making monthly payments to a creditor via judgement against me since 2011?
Charles's answer
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Answered on March 10, 2013
You may want to amend your taxes for that tax year. Under most circumstances a consumer debtor can simply file a IRS Form 982 with their taxes and...
Archived
When does the bank own the property - at the time of foreclosure judgement or after they purchase such at Sheriff's Auction?
Charles's answer
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Answered on March 08, 2013
A bank that sues in foreclosure becomes the actual title holder of the property when the deed from the Sheriff to the bank is recorded at the...
Archived
I am filing for bankruptcy in fl, lawyer says file 2012 taxes. $1063.00 return. will they take it? I am currently homeless.
Charles's answer
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Answered on March 07, 2013
Relax. FL has very good exemptions.
I' m an OH atty. Just file your taxes and do what the nice atty says and
ask them to show you where your...
Archived
Can I refile ch 7 after case was dismissed
Charles's answer
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Answered on March 07, 2013
One more thought. If you refile without an attorney, you are very likely to get dismissed again. But this time the judge may order that you be...
Archived
If a debt has reached statue of limitations, and I receive a letter from an attorney, do I respond or wait to be served?
Charles's answer
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Answered on March 07, 2013
I suggest that you write to the attorney. Tell them that you believe that the statute of limitations has passed. Also state that you intend to...
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