Archived
Is the house an exemption, can I withdraw fr Ch 7 and wait till next yr? Has my attorney been negligent, can I chg to Ch 13?
Gary's answer
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Answered on August 22, 2013
The bankruptcy papers only ask about transfers in the last two years. A bankruptcy Trustee, however, can avail him/herself of State fraudulent...
Archived
What can be done if the lawyer you hired is no longer communicating with you?
Gary's answer
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Answered on August 22, 2013
You may have additional problems with your bankruptcy discharge if the information you signed under penalty of perjury was inaccurate.
Archived
I have a Judgment against me from 2006 I live on my Social Security but i do have a joint Bank Account with a friend .
Gary's answer
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Answered on August 22, 2013
If you are a joint owner of the account--and the judgment Creditor can find it--a garnishment is likely.
Archived
Just asked about car loan being up side down.
Gary's answer
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Answered on August 22, 2013
You wrote, "... car loan ... up side down. ...Will the voluntary surrender follow [me ]longer than the bk ...?"
A: No.
The surrender will...
Archived
Can collection agency not credit my monthly payment because I sent it two weeks earlier? Do I have to legally pay it again?
Gary's answer
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Answered on August 22, 2013
How would the collection agency not think you were simply making an extra payment on the loan principal?
This sounds like a negotiation issue: ask...
Archived
Can a Chapter 7 trustee freeze my checking account. I have no secured debt. Passed the means test
Gary's answer
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Answered on August 22, 2013
In Eastern District of MO, where I practice, the bankruptcy Trustees, for several months took this action, before they realized it was not cost...
Archived
Will amending schedules in a Chapter 7 Bankruptcy postpone discharge if I don't amend original voluntary petition.
Gary's answer
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Answered on August 21, 2013
In Eastern District of MO, where I practice, amending schedules does not automatically postpone a discharge: I would have to ask for a delay of...
Archived
Paid debt through Debt Reduction. An collector is trying to say I still owe a debt, no matter what proof i give what do I do?
Gary's answer
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Answered on August 21, 2013
I assume that "Debt Reduction" is not an actual bankruptcy.
Payment on an account is not proof that the owner of the debt agreed to a compromised...
Archived
Can the state of MO take my house that is paid for? For unpaid medical bills, I am on disability on a limited income.
Gary's answer
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Answered on August 21, 2013
Your disability and limited income are no protection against a judgment lien foreclosure.
For an assessment of the risk of losing your home,...
Archived
How much can a lawyer charge you for a violation of stay case that was settled. The creditor settled for 1500 and 1000 he kept
Gary's answer
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Answered on August 20, 2013
You wrote, "the lawyer cashed checks from both settlements and gave us am IOU"
A: The lawyer may have violated ethical rules regarding the...
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