Questions answered by Steven Anderson Leahy

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Foreclosed home and second loan

Steven's answer | Answered on February 13, 2012

I don't know your financial condition - have you considered bankruptcy? If not, bankruptcy is still a great negotiating position to get a...

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How do I negotiate my HELOC repayment terms after foreclosure?

Steven's answer | Answered on February 13, 2012

The answer to your questions depends on your income, assets and future prospects. We have negotiated fairly good deals on situations like this. ...

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Can I be served a notice of foreclosure sale before the note holder gets a relief from stay from the bankruptcy court?

Steven's answer | Answered on February 13, 2012

The Automatic Stay prohibits creditors from taking action to collect on a pre-petition debt. Preparing a Notice of Sale is definitely an action to...

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Default judgement for a credit card and contemplated filing for chapter 13 bankruptcy, will it help?

Steven's answer | Answered on February 13, 2012

The answer is YES. Your plan can pay this debt over time. I hope this helps. Respectfully, Steven A. Leahy www.chicagotaxteam.com

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Bankruptcy Chapter 7 and out of state property

Steven's answer | Answered on February 13, 2012

When you file for protection under Chapter 7 an estate is created. The estate consists of EVERYTHING you own - no matter where it is located. You...

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My home was in the first steps of forclosure i called my mortage company and i was told if i paid 2500.00 that would catch my

Steven's answer | Answered on February 13, 2012

Never let these matters happen without your involvement. You (or your lawyer) should plan on attending that hearing. Anytime someone takes you to...

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I have been served a summons for foreclosure in the Largo/Clearwater FL area. I need to help. What is the next step?

Steven's answer | Answered on February 13, 2012

The biggest mistake I see when people fall behind in their mortgage is they fail to get advice on the best way to proceed. Speaking with an...

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I have allowed my ex to cont. to pay the mortgage & move in to the home.She is not on the title nor on the mortgage but on deed

Steven's answer | Answered on February 13, 2012

If your ex is not on the title, she is not an owner of the property. If she pays the mortgage, she is really renting the home from you. Later, if...

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I recently filed chapter 13 to save my home..I can no longer afford the house payment and the plan payment.

Steven's answer | Answered on February 13, 2012

Loan modifications can be difficult to obtain. While you are tying, you are to keep current with your chapter 13 plan payment and your mortgage. ...

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HELP! I just received FINAL PAST DUE NOTICE for taxes on my first home I just bought on 7/7/11.

Steven's answer | Answered on February 10, 2012

Generally, property taxes lag one year. So, your 2011 taxes do not come due until 2012. You should dig out your paperwork from the closing -...

Steven Anderson Leahy's Answers (1212)

Foreclosed home and second loan

How do I negotiate my HELOC repayment terms after foreclosure?

Can I be served a notice of foreclosure sale before the note holder gets a relief from stay from the bankruptcy court?

Default judgement for a credit card and contemplated filing for chapter 13 bankruptcy, will it help?

Bankruptcy Chapter 7 and out of state property

My home was in the first steps of forclosure i called my mortage company and i was told if i paid 2500.00 that would catch my

I have been served a summons for foreclosure in the Largo/Clearwater FL area. I need to help. What is the next step?

I have allowed my ex to cont. to pay the mortgage & move in to the home.She is not on the title nor on the mortgage but on deed

I recently filed chapter 13 to save my home..I can no longer afford the house payment and the plan payment.

HELP! I just received FINAL PAST DUE NOTICE for taxes on my first home I just bought on 7/7/11.