My Chapter 13 Plan includes mortgage arrears & current payment. How does bank apply my current payment to my loan?
Alan's answer
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Answered on August 07, 2012
The banks traditionally do not change their accounting just because of the bankruptcy. So when you get its payment history, it is very difficult...
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I have a hubby income, which is like 100 or sometimes less a month. DO you have to list that on the bankruptcy forms?
Alan's answer
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Answered on August 07, 2012
Yes, why would you think otherwise? What part of the code do you think justifies NOT reporting income?
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Foreclosure reported to credit bureaus after discharge?
Alan's answer
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Answered on August 06, 2012
But it could affect your ability to get financing - some lenders look at recent foreclosures, whether it is on the credit report or not.
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I had my wages garnished 3 years ago in another state with a different employer, how can I find out what it was for?
Alan's answer
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Answered on August 06, 2012
Contact the old employer and ask for copies of the garnishment documents.
Archived
Hello, I filed Chap 13, 1 year ago to stop a foreclosure. If I do not want the home can I change to a chap 7?
Alan's answer
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Answered on August 06, 2012
Yes you can convert. And if you do not want the home, a short sale makes no sense. You should live there as long as you can and save money until...
Archived
Bankruptcy trusties
Alan's answer
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Answered on August 06, 2012
They can ask these questions. Most often, the filing information is clear and such questions are not asked. If you filed something questionable,...
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How do I get liens removed, when I have used all means of contacting the lein holder and the Dist Attny unable to locate either?
Alan's answer
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Answered on August 06, 2012
File a suit, have the court issue a service by publication order, publish the notice, then take a default.
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2 years ago we filed for bankruptcy including our our old house which we couldn't sell. I just got papers from the court
Alan's answer
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Answered on August 06, 2012
This is the formal process by which the lender takes legal possession. And unfortunately, the foreclosure could be reported as a 2012 event. In...
Archived
Can the same creditor sue my husband on a different account if they just got a judgment against me since we are in same househol
Alan's answer
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Answered on August 06, 2012
Yes each account can bring suit. Perhaps your spouse just ignores the judgment until he is back to work, or he (and you) could file bankruptcy.
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I claimed Chapter 7 bankrupctcy. That stopped foreclosure. Does the debt have to be re affirmed (mortgage) when its cleared?
Alan's answer
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Answered on August 06, 2012
You cannot reaffirm a debt after the bankruptcy discharge is issued.
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