Archived
Can mortgage insurance companies force you to pay the difference between what a foreclosed house sold for and what I owed?
Dana's answer
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Answered on April 15, 2015
Yes, they can (and do). The mortgage insurance is there to protect the lender - not the borrower. Usually, when a lender forecloses, it gets a...
Archived
Do I have any legal grounds to get my case dismissed over a credit card debt in civil court of Indiana?
Dana's answer
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Answered on January 08, 2015
Court proceedings are public records, and you can view the court's docket (the list of events) online for free. Go to mycase.in.gov, select your...
Archived
My grandmother (from IL) passed away 6/2014 & my mother (from IN) in 7/2014. It's complex. Trying to see if I need a lawyer.
Dana's answer
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Answered on January 06, 2015
Your gut is right - you should consult with an estate attorney. Whether you have to go through probate in Indiana depends on several things,...
Archived
My son is in jail. And he wants me to be able to sign for medical records & such that he needs for his case.
Dana's answer
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Answered on October 29, 2014
The rules for getting access to medical records can be tricky, and you should get assistance with preparing the powers of attorney / health care...
I need help filing a Medicaid application. Do I seek an attorney for that?
Dana's answer
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Answered on October 29, 2014
If the person needing Medicaid is already under the income and asset limits, and can't afford an attorney to prepare and file the initial...
Can the heirs come in and change the locks on doors while I'm not at home if my personal belongings are in the house?
Dana's answer
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Answered on October 29, 2014
As a surviving spouse, you may have acquired an interest in the house, depending on the size of the estate, and whether you signed any prenuptial...
Archived
My Uncle died 5 yrs ago. Family lawyer set up estate w/court but nothing has happened. Do we need a state tax no?
Dana's answer
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Answered on October 29, 2014
Not sure what the "state tax no" is about. The estate should have a federal tax ID number, and may owe income taxes. Plus, if your uncle died 5...
Archived
Am I responsible for mortgage debt from my deceased mother's home when I am not listed on the mortgage or the deed?
Dana's answer
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Answered on October 29, 2014
As an heir, you automatically acquired an interest in the real estate the moment your mother passed away, even if no official estate was opened....
Archived
Our house, which was in a Chap 7 in 2009, is now going to Sheriff's sale on June 12th. The house was not reaffirmed.
Dana's answer
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Answered on May 07, 2014
Generally, yes, a deed-in-lieu (DIL) is not quite as damaging as a foreclosure. However, most lenders/servicers require that the property be on...
Archived
Keep our home after Ch 7 discharged
Dana's answer
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Answered on June 05, 2013
At this point, BoA will not accept payments from you - your only options are modification, refinance, or reinstatement (where you pay all of the...
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