Questions answered by Lynnmarie A. Johnson

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Going for a new home. 4506 Tax Transcript is sent to underwriter. Should I hurry and try to pay off the balance ($652.00) owed?

Lynnmarie's answer | Answered on June 02, 2013

The underwriter will tell you whether you need to pay it off before they will give you a mortgage or the fact that you are in the "review stage" ...

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I live in michigan and it is not a community property state can my wife be held responsible for a credit card debt

Lynnmarie's answer | Answered on May 30, 2013

If the debt is not joint, which it shouldn't be if she never signed anything and was not an authorized user, she is not responsible for your credit...

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IRA/401 k distributions and chapter 13.

Lynnmarie's answer | Answered on May 20, 2013

Don't quit now, your second mortgage is only stripped off if you vomplete the Ch 13. If your income is low enough, change to a Ch 7, give up the...

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I would like to place my 2nd home in Michigan state into an estate. I would like to protect from future creditors.

Lynnmarie's answer | Answered on May 07, 2013

I agree with my compatriot, go to a lawyer who specializes in asset protection. It will be the best money you ever!

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Hi, My question is our home is in my mother in laws name. How long before we can add our name to the deed after bankruptcy?

Lynnmarie's answer | Answered on April 25, 2013

The 180 days after discharge generally applies to a marital settlement or inheritance, but it is not a bad idea to wait since then you don't have...

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Was awarded $130,000 in judgements from person I leased my business to but then had to evict.

Lynnmarie's answer | Answered on April 02, 2013

Just to expand on not being able to go after him in civil court, you would be in violation of the bankruptcy discharge and could get hauled into...

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If I file chapter 7 and stop paying my mortgage, can the mortgage company come after my LTD?

Lynnmarie's answer | Answered on March 28, 2013

They won't be interested in your LTD, they will foreclose on your home and take the house! If you don't make the mortgage payments, in...

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I co-signed on a student loan for my (now) ex-sister in law.

Lynnmarie's answer | Answered on March 11, 2013

Unfortunately, you are stuck. If she won't pay, your verbal agreement with your brother means nothing, so they are going to come after you. There...

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My daughter gave car down-payment $ to her fiancé . He is now her ex - fiance , does she have any rights to the $ or car ?

Lynnmarie's answer | Answered on February 25, 2013

I agree she has the right to ask but he has the right to say no. Unless she has a written contract with regarding the paying of the money and the...

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My husbands will is signed and witnessed, now what do i do with it? Does it need to be filed?

Lynnmarie's answer | Answered on February 05, 2013

Condolences on what is sure to be a hard time for you and your family. You can either keep the will at home until it is needed or if you are...

Lynnmarie A. Johnson's Answers (209)

Going for a new home. 4506 Tax Transcript is sent to underwriter. Should I hurry and try to pay off the balance ($652.00) owed?

I live in michigan and it is not a community property state can my wife be held responsible for a credit card debt

IRA/401 k distributions and chapter 13.

I would like to place my 2nd home in Michigan state into an estate. I would like to protect from future creditors.

Hi, My question is our home is in my mother in laws name. How long before we can add our name to the deed after bankruptcy?

Was awarded $130,000 in judgements from person I leased my business to but then had to evict.

If I file chapter 7 and stop paying my mortgage, can the mortgage company come after my LTD?

I co-signed on a student loan for my (now) ex-sister in law.

My daughter gave car down-payment $ to her fiancé . He is now her ex - fiance , does she have any rights to the $ or car ?

My husbands will is signed and witnessed, now what do i do with it? Does it need to be filed?