Archived
Bankruptcy discharge in 12/09. Did not reaffirm 1st or 2nd mortgage. Have been making payments faithfully and on time to both.
Alan's answer
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Answered on July 31, 2012
If your second mortgage has no equity (your first is owed more than the house is worth) then you can file a chapter 13 to strip the mortgage. If...
Archived
In florida can a married woman be head of household
Alan's answer
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Answered on July 30, 2012
Yes, this is not a gender based issue.
Archived
I had filed for Chapter 7 Bankruptcy protection in June, 2011 and it was discharged in September, 2011.
Alan's answer
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Answered on July 30, 2012
The bankruptcy tax discharge rules are the same nationwide. If you filed the GA taxes with your federal taxes, then the same discharge rules would...
Archived
Reaffirming a debt post-discharge in Chapter 7
Alan's answer
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Answered on July 30, 2012
You cannot usually file the reaffirmation after the discharge. What you need to do, is get a payment history from the lender every so often, then...
Archived
I was expecting discharge August 20 for chapter 7. I recieved a motion for relief from my mortgage company. How long do I have?
Alan's answer
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Answered on July 30, 2012
Florida requires a lawsuit to foreclose, so the relief from the automatic stay just allows the lender to proceed with its state court options. You...
Archived
I have to file for bankruptcy and I owe my brother $20,000
Alan's answer
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Answered on July 30, 2012
The trustee would jump on this transfer as either a preference or a fraudulent transfer, and your brother would have to pay it back and the money...
Archived
Should I look for an attorney that specializes in bankruptcy in IL or TX?
Alan's answer
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Answered on July 30, 2012
Where you have resided for the last 91 days is the usual place to file. It is also generally more convenient to file where you are at the time of...
Archived
My Ex husband won a $10,000 settlement against me. (2 months ago) I attempted to reach him on numerous occasions for payment.
Alan's answer
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Answered on July 30, 2012
Since you are now in touch with him, make payment arrangements with him directly. You can always request the court that issued the judgment set up...
Archived
Can I have my name removed from a student loan that I cosigned for my son-in-law a few years ago?
Alan's answer
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Answered on July 30, 2012
Only if your son-in-law refinances the loans in his name only. You are pretty much stuck with this problem until he pays them off or refinances.
Archived
My mom used my SS# for utilities since I was 15. My credit is now shot. I am 30. What can I do? Is it too late?
Alan's answer
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Answered on July 29, 2012
Debt this old should not be appearing on your credit history. Unless she was using your SS# in the past 7 years. You need to dispute the debts...
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