Once I file a Chapter 7 bankruptcy can I change the exemptions from federal to state or am I stuck with the federal exemptions?
Michael's answer
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Answered on December 29, 2015
There is always a liberal right to amend your case, however, as time progresses, the presumption of good faith tends to erode and the Court will...
Archived
How can i owe them if i gave them all my bills and all my pay stubs i gave them more pay stubs then they needed
Michael's answer
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Answered on December 29, 2015
There have been a number of issues arising between Michigan's unemployment agency and/or food assistance benefit agencies. They should have...
Archived
Can I junk this car with the lien on it? If not, how can I get rid of this car? Should this company still be contacting me?
Michael's answer
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Answered on December 18, 2015
Your explanation of the circumstances may need some additional information. When you say you "included your car in the bankruptcy" I'm assuming you...
Archived
How can I dispute this?
Michael's answer
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Answered on December 18, 2015
I agree with my colleagues in that the best course of action is to consult with your bankruptcy attorney. Some districts allow for "Satisfaction of...
Archived
Filing chapter 7 bankruptcy
Michael's answer
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Answered on December 11, 2015
There is always a good faith requirement to filing a Chapter 7 bankruptcy. If the expenses you are incurring are not reasonable or necessary, you...
ARE "CPN" NUMBERS ILLEGAL OR LEGAL?
Michael's answer
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Answered on November 03, 2015
A CPN is tied to your social security number so my colleague is correct in that you can't "hide" your bad credit. There are a number of scams out...
Archived
What happens if private student loans default?
Michael's answer
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Answered on November 03, 2015
Keep in mind that creditors have several different avenues of collection such as: levying (seizing) money from a bank account, garnishing your...
Archived
I owe someone money and filing for bankruptcy soon and they want me to sign a doc to pay back will it effect bankruptcy?
Michael's answer
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Answered on October 26, 2015
The amount of money you pay to a creditor prior to filing bankruptcy can have an effect on your case (i.e. preferential payment and/or fraudulent...
Archived
Entering the "amount" on Proof of Claim form for a Chapter 11 Bankruptcy.
Michael's answer
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Answered on October 26, 2015
Your proof of claim needs to plead with specificity an amount that is owed to you. Your claim should only reflect amounts owed to you prior and up...
Archived
Discovered judgement against my tittle on my condo from Midland Funding. No prior knowledge, is this legal
Michael's answer
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Answered on October 22, 2015
I'm guessing that the judgment you are speaking of has resulted in a lien on your condo. With that in mind, I would strongly suggest pulling your...
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