Archived
Can a bank collect a debt, owed by a spouse, and after bancruptcy by taking it from a joint account several years after spouses
Alan's answer
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Answered on September 20, 2012
If you were not obligated for the wife's debt, then taking the funds would be considered a violation of her discharge injunction. Her case can be...
Archived
Okay, I am going to do this again and see if I can find more help. How do I get out from under or pay my debt?
Alan's answer
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Answered on September 20, 2012
Talk to a bankruptcy attorney. It may be advisable not to file until your medical issues are resolved, as you would have to wait 8 years to file...
Archived
Joint owner of house name not on mortgage. About to file for bankruptcy how do i list the house on the schedules?
Alan's answer
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Answered on September 20, 2012
List it on schedule A as "one half interest in 123 Main street subject to a mortgage, value listed is debtor's one half interest in equity" Then...
Archived
Filed Chapt. 7, with home incl, 3 years ago. If I walk from my home now will the forclosure cause me to wait 3 more yrs. for FHA
Alan's answer
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Answered on September 20, 2012
You need to buy the next home before you are foreclosed on your current one. Otherwise, the foreclosure will make funding for your new home very...
Archived
Filing bankruptcy as pro-SE.I have already spoken to a lawyer regarding this matter. I did not get the correct answers.
Alan's answer
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Answered on September 20, 2012
You are required to list ALL debts when you file. You do not get to pick which creditor gets discharged. That you are asking this question...
Archived
Where is a place I can find conversion laws for 13 to 7, in reference to a motion for relief of stay in Columbus OH
Alan's answer
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Answered on September 19, 2012
There is no such provision in the bankruptcy code. 11 USC 1307 addresses the conversion of chapter 13 to a chapter 7.
Archived
If we convert from a Chapter 13 to a Chapter 7 can we keep our car; it is a 2007 and we upside down in the car.
Alan's answer
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Answered on September 19, 2012
You would be foolish to keep the car. You should talk to an attorney about how to handle this in your district. You may need to stop paying the...
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Archived
Filed bky 2010 did not reaffirm mtg debt. no mtg pymts since 3/12. sherrif's sale 9/24/12. what happens now?
Alan's answer
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Answered on September 19, 2012
You have 6 months from the date of the sale to "redeem" the property - that is pay the lender in full. If you do not redeem, then the lender...
Archived
My husband is being sued by Capital One. Please help! We just got the summons, on 9/.11/12 , haven't answered back yet....
Alan's answer
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Answered on September 19, 2012
Use this form: http://courts.michigan.gov/scao/courtforms/generalcivil/dc03.pdf You simply admit or deny or claim you have insufficient...
Archived
We are in a Chapter 13 in Ohio but the payments are too high, what will happen if we chose to walk away?
Alan's answer
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Answered on September 18, 2012
You could convert the case to a chapter 7, stop paying on the mortgage and live rent free until the foreclosure process forces you out. Talk to...
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