I am trying to move forward with my life. I want to sell my home that mayyyy have 10xxx equity to move to a safer area... and I want to get married. Will converting do more damage to my credit vs. riding a few months out of this chapter 13? I have...
An early payoff of your Ch. 13, if you qualify and would receive a discharge, would likely be more advantageous than a conversion to a ch 7.See question
Like ive said before in a previous question Direct tv screwed me over with my credit score i used to be in the fair but now im in the poor because they went and used my credit even after i told them no. I dont know how to go about this please help
You can usually finds instructions on the Credit Reporting Agency’s website.See question
What happens when a person files for chapter 7 bankruptcy, how long can they remain in there home? The mortgage was paid off three years ago, but lawyers advice to file for chapter 7 bankruptcy for another reason in federal court. Lawyers say that...
A key question is whether the equity in your home is protected in a Chapter 7.
If so, a chapter 7 is likely preferably to a 13.
My paycheck is currently being garnished by 25% a week by Dept. of Labor for Unemployment. I was working and filing back in 2012 and now about two months ago my checks are being garnished. I tried to file a Head of Household, but that wont apply i...
Look on MO casenet to determine if The Department of Labor for unemployment got a judgment against you. (I assuming you're talking about a state agency and not a federal department).
You wrote, "I tried to file a Head of Household, but that will apply in this case."
The Missouri Head of Household (HOH) exemption is for a person who is the head of a household, that can be a husband & wife, a brother & sister, an unmarried couple with children, a grandparent with dependent grandchildren in the home, or other domestic situation. In Missouri, the HOH is filed as an affidavit with the sheriff of the county issuing which the Missouri judgment is causing the garnishment. The form can readily be obtained online for St. Louis County
If you're not a head of household under Missouri law you cannot claim the exemption. If you are, I'm not aware of any exception that applies to the Department of Labor. However I have had employers who have told judgment debt chores that they do not qualify for a head of household exemption when they really do qualify.See question
Pool of money collected from garnishment currently almost totals the amount of claims submitted. If I have to spend all five years, can I have garnishment amount reduced? Prefer early discharge. Am I responsible to pay back those unsecured cred...
You wrote, "Am I responsible to pay back those unsecured creditors not filing proof of claim in timely manner?"
No, if the claim is one that is dischargeable.See question
My fiancée has debt she incurred before I met her for which she had planned to file bankruptcy. She does not want me to be liable for any of that debt.
She should file bankruptcy before your marriage.See question
All my tax return for 2015 will be due to EIC credits. But when and how does one take the exemption? Is it on the petition? If it is, I don't see it. Or is there a special document that must be filed?
There are no exemptions for tax returns.
Refunds may be exempted based on your State's adoption of local or Federsl exemptions.See question
We filed bankruptcy a couple years ago and our lawyer didn't reaffirm loan. We want to keep the house and he quit taking messages and sent a letter saying he didn't represent us anymore. What would we need to do. We are still paying on the house b...
Lawyers don't reaffirm loans: the debtor does. In Eastern District of MO, where I practice, the Reaffirmation Agreement is prepared by the lender, but sometimes the lender fails to send a Reaffirmation Agreement.See question
Chapter 7 - 1. If I file chapter 7 what happens to the accounts I have in good standing and make payments on (do they get closed)? 1. Should closed accounts older than 7 years be included on the petition?
In Eastern District of MO, where I practice, I have found that current policy of lenders on unsecured accounts with no balance is for the lender to cancel the account upon learning of the bankruptcy.See question
I have a $500,000.00 judgement that I was awarded and I haven't collected a penny.
I can only agree with my colleagues: a judgment is only the beginning.See question