Archived
I've just went through bankruptcy and one of the Items that was discharged was our motor home. Do I have to surrender that?
Gary's answer
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Answered on November 20, 2013
The lien remains even if the debt was discharged.
Archived
How to enforce the Fair Debt Collections Act on a debt collector?
Gary's answer
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Answered on November 19, 2013
In FDCPA, documentation matters.
Preserve documentation/recordation and consult an FDCPA attorney soon.
Archived
What do u mean by "Admit that Judgment Debtor does not claim any assets subject to exemption from garnishment?"
Gary's answer
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Answered on November 19, 2013
You wrote, "...ADMIT OR DENY. Which one do I pick? I don't understand the question."
A: It is not even a question.
You need professional help to...
Archived
I just received a letter to dismiss under section 1307 what does this mean
Gary's answer
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Answered on November 19, 2013
It means that unless you address the issue or obtain a ruling from the court finding against the allegations of the bankruptcy Trustee, the court...
Archived
I cashed in my 401K to pay off debt but did not pay the IRS fee or tax. Will declaring bankruptcy help with those fees & taxes?
Gary's answer
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Answered on November 19, 2013
Your income taxes on this distribution will not be dischargeable in bankruptcy.
Archived
Can i keep one of my credit cards open through my Chapter 7 Bankruptcy or if i list it, the bank will close the account?
Gary's answer
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Answered on November 19, 2013
First check with discover card to see what the policies are regarding termination of zero balance credit cards; if they have a policy of...
My wages are continually being garnished for traffic tickets that have extremely high interest. Can I file any type of bankrupcy
Gary's answer
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Answered on November 19, 2013
You wrote, “I want to file bankruptcy, ... debt but have been advised that I will not be able to file this debt. Is this true?“
A: Traffic fines...
Archived
I received a wage garnishment that leaves me with very little money for necessities, what can I do?
Gary's answer
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Answered on November 18, 2013
Claim all exemptions available to you.
In MO, where I practice, the court sends you a list of potential exemptions.
Archived
We filed for Chapter 7 bankruptcy over a year ago can we keep money that a family member wants to give us?
Gary's answer
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Answered on November 18, 2013
You wrote, "My attorney says it has been over 180 days since we filed and the money would be ours."
A: I agree with your attorney.
Archived
Hi. I had a title loan and now I don't have the car any longer. Can they take my new car since it went to collections its $400
Gary's answer
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Answered on November 18, 2013
This type of voluntary lien does not transfer to the new vehicle.
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