Archived
Is it true I cannot qualify for HARP loan mod because I did not reaffirm my original mortgage in Chpt 7 bankrupcy?
Alan's answer
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Answered on February 02, 2013
First, HARP is a refinance program. And Wells has a valid point, in that the loan was discharged and any refinance COULD be considered an attempt...
Archived
I was loaned a credit card in case on an emergency and had to charge 432.00 on it, when i got back i re payed the money to the
Alan's answer
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Answered on February 02, 2013
You should file a third party action against the person you paid, who obviously did not pay the card holder. Not much of a friend, I would say.
Archived
Keep and Pay question
Alan's answer
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Answered on February 02, 2013
The law is quite clear that retain and pay is no longer an option. However, certain lenders do not exercise their rights to repossess as long as...
Archived
Which Chapter of bankruptcy should I file? What debt can I get rid of?
Alan's answer
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Answered on January 28, 2013
Student loans are not dischargeable in bankruptcy. The rest of the debt should be, including what you owe the school directly. The only caveat is...
Archived
How do I go about filing for bankruptcy?
Alan's answer
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Answered on January 28, 2013
Find a bankruptcy attorney. Either on this site or at www.nacba.org If you move quickly enough, you may be able to recover the bank account that...
Archived
2nd mortgage and filing chapter 7 or 13
Alan's answer
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Answered on January 28, 2013
It has been done, but it is generally not a viable option. From the lender's perspective, just forgiving debt makes no sense. It usually has some...
Archived
Credit union taking state tax refund. If I...
Alan's answer
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Answered on January 28, 2013
You would still lose your refund. Your better bet is to just NOT file your state tax return until after your bankruptcy is complete. As long as...
Archived
We have a resident that has filed bankruptcy and his home is in terrible condition. He no longer lives in the house . We live
Alan's answer
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Answered on January 26, 2013
The owner of the property is responsible, but if you have no mechanism to enforce, and there are no municipal authorities to do so, you may be out...
Archived
Student loan about to default. Do I have anything i can to do stop it. Private loan not Federal.
Alan's answer
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Answered on January 26, 2013
File a chapter 13 bankruptcy and propose a payment plan that works for you.
What happens if a lottery winner chooses annuity payments and several years later the state file bankruptcy.
Alan's answer
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Answered on January 26, 2013
The lump sum option is the amount the lottery has to invest now to cover the annual payouts. That amount is typically placed in a trust that has...
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