Questions answered by Kerry D. Hettinger

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Credit card debt- name being sued by doesn't have jr. original creditor (chase) had jr. on account . asset acceptance doesn't.

Kerry's answer | Answered on July 18, 2013

The SSN on the account application will be the critical issue. Lots of folks with a "jr" in their name leave it off much of the time. The "jr."...

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When my brother passed away he left a small house. I am the only heir but the house cannot be titled to me due back taxes.

Kerry's answer | Answered on July 18, 2013

You should be able to work around these issues fairly easily and retain the house, assuming of course the rest of your situation is fairly straight...

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What are the best options to avoid a foreclosure deficiency judgment (question involves divorce, disability and bankruptcy)

Kerry's answer | Answered on July 11, 2013

I assume from your concern that your judgment of divorce obligates you to hold him harmless on the mortgage note since the house went to you. If...

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My buyer defaulted on a land contract for a piece of property then filed bankruptcy.

Kerry's answer | Answered on July 11, 2013

Agreed that you need to contact a seasoned attorney to ensure you get the property back with clear title. You didn't specify what type of...

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I have two judgements against a renter who has filed Chapter 7 bankruptcy to avoid paying the garnishment

Kerry's answer | Answered on July 11, 2013

Filing an objection to discharge is a bit pricey in that you need to file it as a lawsuit (called an adversary proceeding). Also, as your...

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Can i transer $5000 from a stock market bank account into a IRA 4-6 months prior to filing chapter 7 bankruptcy.

Kerry's answer | Answered on July 06, 2013

Standard retirement funding is allowed. Many folks fund their IRA in one deposit a year, so nothing improper about your plan. However, make sure...

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80/20 foreclosure, deed in lieu, short sale? Best option in Michigan?

Kerry's answer | Answered on July 06, 2013

Given the facts you've laid out I can't help but wonder if you should file a chapter 13 bankruptcy petition. Since the second mortgage is fully...

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Is a new spouse held responsible for my debt?

Kerry's answer | Answered on July 06, 2013

I agree your new husband will not be responsible for the debt. However, his income could become a factor depending on how you eventually resolve...

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Codebtor on Schedule F

Kerry's answer | Answered on July 03, 2013

By claim I assume you mean "debt." If so, then you are correct, just list the co-signor on schedule H (also check the box on that entry on...

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Am I financially responsible for something I went bankrupt on and discharged from if co-signer with my soon to be husband?

Kerry's answer | Answered on July 03, 2013

You discharged your obligation in your bankruptcy. However, be very careful in the family law matter. for If you allow the judgment of divorce to...

Kerry D. Hettinger's Answers (51)

Credit card debt- name being sued by doesn't have jr. original creditor (chase) had jr. on account . asset acceptance doesn't.

When my brother passed away he left a small house. I am the only heir but the house cannot be titled to me due back taxes.

What are the best options to avoid a foreclosure deficiency judgment (question involves divorce, disability and bankruptcy)

My buyer defaulted on a land contract for a piece of property then filed bankruptcy.

I have two judgements against a renter who has filed Chapter 7 bankruptcy to avoid paying the garnishment

Can i transer $5000 from a stock market bank account into a IRA 4-6 months prior to filing chapter 7 bankruptcy.

80/20 foreclosure, deed in lieu, short sale? Best option in Michigan?

Is a new spouse held responsible for my debt?

Codebtor on Schedule F

Am I financially responsible for something I went bankrupt on and discharged from if co-signer with my soon to be husband?