Archived
If you pay off a real estate mortgage with a credit card or cards and file bankruptcy later is that legal?
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Answered on August 12, 2013
There are a lot of exceptions and conditions, but in general:
1. Creditor can argue debt should not be discharged due to fraud because at the time...
Archived
Is It Too Late To File An Auto Insurance Claim?
Ray's answer
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Answered on August 12, 2013
In Illinois, time limits are 2 years for personal injury and 4 years for property damage.
Archived
CDL REINSTATEMENT?
Ray's answer
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Answered on August 12, 2013
In Illinois:
Not submitting to the breath test is not a criminal offense. It results in a "statutory summary suspension"
In court they take your...
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Want to file Ch. 13 100% plan; If all dis. income pay off debts before 60 months, do I have to surrender all disposable income?
Ray's answer
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Answered on August 11, 2013
All disposable income has to be paid to the Trustee. The Trustees are often pretty generous in allowing expenses on 100% plans.
By the way, you...
Archived
Is it difficult to amend a Chapter 13 plan since our mortgage payment is increasing next month?
Ray's answer
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Answered on August 11, 2013
This is very complicated and you need to talk to your Chapter 13 attorney.
Your Chapter 13 attorney is required to represent you until the case...
Archived
I would like to know if it is possible to file bankruptcy in MN in a county that is different from which you live?
Ray's answer
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Answered on August 11, 2013
Employers cannot fire you for filing bankruptcy.
They will probably never find out.
Minnesota has one bankruptcy court with 4 districts. Duluth...
Archived
If I filed chapter 13 in 2009 and my mortgage has continued to be paid, even though the mortgage was dismissed am I still liable
Ray's answer
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Answered on August 11, 2013
Your question is confusing.
If your case is typical, in your Chapter 13 you agreed to make current payments directly to the creditor.
Now you...
Archived
I have two liens on my present home. Im making the payment to the 1st, but second lien was a SBA loan and it was for collateral
Ray's answer
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Answered on August 11, 2013
You have 2 liens on your house.
Until they're paid they're still owed.
Sometime a 2nd mortgage company won't sue because they have to pay off the...
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Archived
If my bankruptcy lawyer didn't send me reaffirmation letter to my bank that owns my bank can I get them removed from my title?
Ray's answer
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Answered on August 11, 2013
The bankruptcy discharge prevents the bank from coming after you if they repo the vehicle and sell it for less than owed.
In the meantime, they...
Archived
My husband and I have been living apart for 4 years. I have several credit cards in my name only. Do these have to be disclose
Ray's answer
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Answered on August 11, 2013
Looks like you two are content with staying married and living apart.
When you file your bankruptcy, you are saying, under penalty of perjury,...
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