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Dustin Thomas Bower

Dustin Bower’s Answers

10 total

  • A RV is included in Chapter 7 and payments continued.. Two years later payments stopped will this further damage my credit?

    I haved been living in my RV but have been laid off and wanted to sell the RV. However, I owe more than it is worth. I don't know what to do I am a senior and have been unable to find work. Filed bankruptcy in FL.

    Dustin’s Answer

    Stopping payments will likely affect your credit rating.

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  • I filed chpt 7 . Mom in Mass. is buying me a car and will be making payments. How do i register it in Florida.?

    My mom will have financial responsibilty for the loan while I get the use of the car . I am not sure how i will be able to register it isince she is in Mass and I am in Florida. The loan will be hers and the bank will hold the title. Do i have...

    Dustin’s Answer

    The answer to this question is going to depend heavily on WHEN you filed your chapter 7. I would make a phone call to the attorney who filed on your behalf. He should be able to answer this question in about 2 minutes.

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  • I voluntarily gave me car back had it classified as a voluntary repo cas has been sold where do i put it in my chapter 7 bankrup

    bankkrupcy

    Dustin’s Answer

    If you are filing pro se, I highly recommend you retain an attorney. The documentation for file a chapter 7 is VERY complicated. You will save yourself some stress and time if you can find a reasonably priced attorney.

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  • Can you convert a chapter 13 to a chapter 7 hardship?

    Can you convert a chapter 13 to a chapter 7 hardship if your wages are garnished by the court for not paying back multiple payday loan? The payday loan was taken out while in a chapter 13.

    Dustin’s Answer

    If I were you, I would DEFINITELY talk to your attorney immediately about the garnishments. It is my understanding that you can not be garnished while still in a chapter 13 repayment plan. The garnishment may be a violation of the automatic stay, a wrongful levy, a violation of the FDCPA, and a conversion (tort law). This will all depend on IN law, but this should be looked into immediately by your attorney.

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  • Chapter 13 vs chapter7

    I was hoping to make money after I sold my house. Well, my house was sold month ago and l was left with 160,000 dollars in credit cards. I am married and I have three children. I am professional engineer with current income of 98,000. There is no ...

    Dustin’s Answer

    No one can really give you good advise without knowing in detail your finances. Gather together all your bills, your income for the last 6 months and your monthly expenses. Your bankruptcy attorney will need to see these.
    Having said that if you are single, you likely make too much money to file a chapter 7. However, you MAY still qualify under the Means Test. That is something you should discuss with a bankruptcy attorney in your area. Many of them offer a free consultation to see if you will qualify.

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  • Can i forward intercompany emails to my personal email address at home if i think they prove i have been discriminated against

    can i forward intercompany emails to my personal email address at home if i think they prove i have been discriminated against. if so, can i present them as proof?

    Dustin’s Answer

    The answer to your question will depend heavily on what your employee handbook says and what agreements you signed when you started working at your company. If you signed a confidentiality agreement or some other such document, you may have an issue. I would definitely talk to an attorney in AR about this issue BEFORE you forward any emails.

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  • Can i forward intercompany emails to my personal email address at home if i think they prove i have been discriminated against

    can i forward intercompany emails to my personal email address at home if i think they prove i have been discriminated against. if so, can i present them as proof?

    Dustin’s Answer

    The answer to your question will depend heavily on what your employee handbook says and what agreements you signed when you started working at your company. If you signed a confidentiality agreement or some other such document, you may have an issue. I would definitely talk to an attorney in AR about this issue BEFORE you forward any emails.

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  • How long after I filed Chapter 7 can I file another Chapter 7 Bankruptcy

    If I filed Chapter 7 Bankruptcy in Sept of 2001 and it was discharged in April of 2002 when could I file Chapter 7 again?

    Dustin’s Answer

    No one can really give you good advise without knowing in detail your finances. Gather together all your bills, your income for the last 6 months and your monthly expenses. Your bankruptcy attorney will need to see these.
    Having said that you should have to wait 8 years from the last FILING DATE of your previous bankruptcy. The old time period prior to 2005 was 7 years before you could file again, but that was expanded to 8 years after the Bankruptcy Abuse and Consumer Protection Act of 2005 was passed.

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  • I got a chapter 7 bankruptcy discharge in 2003, can I file another chapter 7 or 13 to save my house in AL state

    I WAS DISCHARGED FROM CHAPTER 7 BANKRUPTCY IN 2003 IN THE STATE OF ALABAMA. UNFORTUNETLY DUE TO OVERWHELMING DEBT (CREDIT CARDS AND A 7000 DOLLAR LOAN WITH A 29% INTEREST RATE), A MORTGAGE PAYMENT AND CAR LOAN, I AM UNABLE TO PAY THESE BILLS. I AM...

    Dustin’s Answer

    The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 puts an eight year time period between Chapter 7 filings, so you would not be eligible for a Chapter 7 bankruptcy.

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