Archived
I FILED BANKRUPTCY CHAPTER 7 AND IT WAS DISCHARGED IN 2013
THERE WAS A SECOND MORTGAGE ON MY HOUSE
IT WAS INCLUDED
Michael's answer
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Answered on May 14, 2015
As of now, a lien stays on the house even after a Ch.7. The Supreme Court may change that soon, but probably not for a case that is over already....
Archived
Will I be able to keep my home if I file a Chapter 7 Bankruptcy to strip a junior lien?
Michael's answer
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Answered on May 14, 2015
The rule for years has been you can't strip a lien in a Ch.7. That could change soon, but not for a while. The letter of the law in Ch.13 is you...
Archived
How long can the courts take to release tax exempt funds?
Michael's answer
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Answered on May 14, 2015
The only thing I can think of trying to make sure the judge has all the papers needed from you. Frequently, the winning party puts the order...
Archived
Is a debt with a scam company legitimate?
Michael's answer
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Answered on May 14, 2015
This type of case would come down to evidence. If they have a written agreement from you, they will try and enforce it. You would have to come up...
What reasons can a bankruptcy filing be sealed
Michael's answer
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Answered on May 14, 2015
Generally, it can't be sealed. They have revamped the process so your SSN can't be stolen and also to hide children's names. One of the...
BANKRUPTCY RESPONSE DEADLINE: Deadline to answer a chapter 11 motion to lift stay?
Michael's answer
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Answered on May 14, 2015
People frequently show up on the hearing date to ask for time to file a response. The court, however, could have local rules written that outline...
Archived
If I received a 1099-C, Cancellation of Debit notice from home equity lender, can they leave the lien on my house in place?
Michael's answer
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Answered on May 14, 2015
It's unclear to me what happened. The cancellation usually means they wrote down the debt but did they just write it down to the value of the house...
Archived
If a doctors appointment is missed without 24 hours notice of cancellation, can they bill you as a penalty??
Michael's answer
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Answered on May 14, 2015
This is kind of a hard question. They have a policy but you did not receive a service. Usually they will work with you to reach an agreement. The...
Archived
Can I be criminally prosecuted for writing a bad check drawn on a out of state bank in California?
Michael's answer
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Answered on April 15, 2015
You have a situation where the amount owed is not big enough for a lawyer to take your case. Legal defenses take a hired expert. Your question...
Archived
Received a claims notice for bills occurring for past 3 years. Problem, the primary billing company never sent a bill to us.
Michael's answer
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Answered on April 15, 2015
First, I would talk to your insurance company to see what they say about how much you have to pay. Sometimes they negotiate the amount the service...
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