Archived
Wife and I want a divorce but we can't afford it. Underwater mortgage. Bills up ying yang. Short sale? Walk away? Bankruptcy?
Ray's answer
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Answered on August 09, 2013
Bankruptcy may not be an option because of income.
That would leave Chapter 13.
She could file a Chapter 7 and you a Chapter 13.
If there is a...
Archived
SALE OF HOME IN PROBATE
Ray's answer
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Answered on August 09, 2013
In general, when a lawyer is probating an estate, he handles everything to do with that estate, including sale of real estate.
There is no reason...
Archived
My wife of 8 years cheated on marriage 4years ago.
Ray's answer
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Answered on August 09, 2013
Her cheating on you has nothing to do with it.
The abandonment does have something to do with it.
How long has she been gone.
The general rule...
Archived
Can Toyota Motor Credit repossess my car before my Chapter 7 is discharged?
Ray's answer
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Answered on August 09, 2013
When you filed your statement of intent you said you were going to reaffirm.
That statement was filed under penalty of perjury.
Now you've...
Archived
Should I contest a red light traffic ticket?
Ray's answer
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Answered on August 09, 2013
Usually, traffic lights aren't on two lane roads.
So, assuming it was a 4 lane road with 2 lanes in each direction.
That makes it a 44-48 foot...
Archived
If a student loan was listed on chap 7 and was discharged with no fight two years ago. Why am I now being bothered?
Ray's answer
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Answered on August 09, 2013
It is pretty common for creditors and debtors to have disputes about the amount owed.
Most of the time, the creditor sues and debtor goes to court...
Archived
Likelihood Dupage County will drop domestic battery charges in court if girlfriend is unwilling to testify.
Ray's answer
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Answered on August 09, 2013
First, I wouldn't push my luck too far with that police misconduct angle.
They didn't interrupt their coffee break to show up at your house for...
Archived
I filed a chapter 7 bankruptcy and was discharged 2 yrs ago a student loan was included. Now after 2 yrs they write tho new comp
Ray's answer
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Answered on August 09, 2013
If you had owed back child support and listed it on the bankruptcy you would still owe it.
Student loans. Same thing. They are...
Archived
I had a state court case filed against me. Then I filed bankruptcy. Can I assert all my affirmative defenses in my BK adversary?
Ray's answer
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Answered on August 08, 2013
It seems that somebody was suing you and you decided to beat the rap by filing bankruptcy hoping that they would go away.
Instead, they've filed...
Archived
To those that responded to my ? about SOL credit card debt. Do you know where I can read this on the web? I've done multiple
Ray's answer
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Answered on August 08, 2013
The following case has an excellent explanation of why a credit card debt is an oral and not written contract: Portfolio Acquisitions, L.L.C. v....
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