Archived
Hi. We did not reaffirm our mortgage. Can we walk away without penalty?
Gary's answer
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Answered on December 03, 2012
You wrote, " Do we owe the bank any money since the loan was not reaffirmed?"
A: No.
Archived
Can a HELOC forclose on a home after being discharged in CH7 bankrupcy if the first mortgage is paid according to terms?
Gary's answer
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Answered on December 03, 2012
You wrote, "Can a HELOC forclose on a home after being discharged in CH7 bankrupcy if the first mortgage is paid according to terms?"
A: The...
Archived
Credit account, bankruptcy, notice to appear.
Gary's answer
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Answered on December 03, 2012
Obtain a copy of the order of discharge from the bankruptcy court, with Schedule F “Creditors Holding Unsecured Non-Priority Claims” listing the...
Archived
I live in low income housing and i file bankruptcy and i'm 2 months behind will my filing help or stop the eviction
Gary's answer
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Answered on December 02, 2012
Only delay, not stop
But the conditions requisite to delaying eviction are beyond the pro se filer.
Archived
I had a ch. 7 bankruptcy in 2006 in which I did a re-affirmation on my mortgage. I am now being transferred by employer and
Gary's answer
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Answered on December 02, 2012
You wrote, "will most likely be foreclosed on. (not enough time to sell, and very upside down in property) Because I re-affirmed this debt, will...
Archived
Can a business report a client to a credit agency if they have no signed contract or receipt?
Gary's answer
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Answered on December 02, 2012
You wrote, "We contracted to pay a one time fee of $225.00 for all services provided."
Copy that contract, attach the copy to a letter and...
Archived
What if a family member refuses to give income/tax information for my Chapter 7 means test?
Gary's answer
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Answered on December 02, 2012
Your son is correct on the law.
Archived
Lawyer for ax wants a hardship Ltr from my mom before accepting a settlement. Is this a correct procedure
Gary's answer
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Answered on December 02, 2012
You wrote, "Siding her in June w/o motivation to her. In June."
You need a consumer rights attorney and a better auto-complete feature on your...
Archived
I DON'T HAVE GREAT CREDIT BUT HAVE NEVER MISSED A RENTAL PAYMENT TO A LANDLORD. WHY IS MY CREDIT RATING HELD AGAINST ME THEN?
Gary's answer
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Answered on December 02, 2012
You wrote, "I .... believe my RENTAL payment history is all that a landlord has a right to be concerned with!
A: Your belief is not supported...
Archived
DO I NEED TO RENEW A JUDGEMENT AFTER TEN YEARS THE DEFENDANTS IN THIS CASE HAVE BEEN PAYING MONTHLY PAYMENTS ALL ALONG
Gary's answer
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Answered on December 02, 2012
Unlike Twinkies, judgments go stale.
If the expiration date of the judgment has not passed, a writ of scire facias (MO name for judgment...
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