have a car in my name brought the car for a relative who now cannot pay registration fees or taxes on it
You can absolutely file for bankruptcy... the issue you must make sure to deal with is disclosure of the car in terms of ownership, exemptions available and obligations. You would have to disclose your ownership of the car in your schedules. In Missouri there is an exemption allowed for cars of up to $3,000. So, if you have no other vehicle requiring use of the exemption, and the car is worth $3,000 or less, you should be able to protect it. So, it would have to be disclosed on Schedules A/B and C. Now, the next question is are there taxes or fees due that have not been paid? If the car is tagged, there are assuredly taxes or fees owed. Therefore those taxes or fees must also be listed in your case since you are the owner of the car. That means Schedule E. Lastly, you need to list the other person who is supposed to be taking care of the car. Does this person owe you money (Schedule B) and if you are not in possession of the car you may need to list the whereabouts of the car. Filing bankruptcy is a serious deal and there are lots of details involved! Good luck.See question
the loan was for 8,000, i have about 5,000 in credit card debt, 10,000 IRS and about 5,000 in medical
Whether your best option is bankruptcy depends on far more than just your debts. It depends on your household income, household size, personal property, the type of debts you have, real estate held and even what state you live in. There are other factors too. While having debts or judgments is certainly a sign you may want to consider bankruptcy, the best thing to do is pick up the phone and speak with a bankruptcy lawyer who practices in your area.... many attorneys offer free phone consultations. Try to pick an attorney based on who listens best, seems to understand your situation and who you can relate to. Good luck!See question
I've filed chapter 7 in Missouri.as I was being garnished on my wages.I contacted the garnish department at my work and they told me I may be garnished 3 more times but payed back. is this legal? My Attorney filed and is monitoring my case so I...
The garnishment ought to stop immediately upon filing. Now... it may take a couple days for the garnishor to be notified and withdraw the garnishment. However, upon notifying your employer of the bankruptcy, it ought stop further withholding immediately. Your attorney really ought to see to it that the garnishment is stopped.See question
I have been screwed over by some of my family members on loans and cell phone companies that I went through from them and now i owe a lot more than I can handle. I owe more than what I make. I'm wanting to file for bankruptcy to start over new. Bu...
There are Legal Aid offices in Missouri that will provide free services for qualified families based on income. I am not sure where the nearest one is to you in southwest Missouri. You can contact Legal Aid in Kansas City and ask them for the closest office. Legal Aid will provide services for Chapter 7 cases but not Chapter 13's. I would recommend your calling them. However, if there is not a close office, feel free to call local bankruptcy attorneys and let them know your situation and ask for help on a reduced fee basis. I know we are fortunate to have many understanding and qualified attorneys who may be willing to help. Good luck.See question
I have 2 repossessed cars on my credit as well as 3 or 4 outstanding credit cards. I am needing to file bankruptcy. I am currently unemployed but am actively seeking employment.
You can also check to see who are Certified by the American Board of Certification. Look up their website. The Board certifies consumer and business bankruptcy attorneys. I am confident there are a number of such attorneys in the Wichita area. I think it is a better way to locate competent counsel than the others suggested by prior answers. Good luck.See question
I'm approx. 25k in debt consisting of primarily collection accounts for medical and credit card. I have one public record and several small amounts under $100. Credit score is in the low 500 range and I am seeking to negotiate balances, remove p...
Interesting question... and to be candid, you did not provide all the information necessary to give you a fully considered opinion. However here are the thoughts of a 30+ year bankruptcy attorney. The advantage of Ch. 13 is definiteness. The creditors must participate. They have no option. You get to dictate to them what they receive. You can often cram down the amount you pay either due to your income or things like the need for the creditors to file accurate proofs of claim. Credit scores often improve in Ch. 13 as balances owed are no longer an issue and old debts do not get worse. Now, I never try to force someone to file who does not want to. You have to want to use Ch. 13 in order to get the best results and be happy with your decision. The bottom line is that it probably makes sense to consult an attorney about Ch. 13 options and make the decision you think is in your best interests. Just do not go by old myths or internet stories of bankruptcy horror stories.See question
The 341 meeting went well, but the Trustee told me to amend my I and J Schedules. I did and dropped them off in the after hours drop box. I checked PACER and found this: 12/15/2016: Amended Schedule I, and Schedules J, for Individual was modifi...
I think I know the problem.... all the Court is requiring to comply with the Local Rule is that you submit a Verification as a separate document from the Amended Schedules. Although I have practiced bankruptcy for 30 years in Kansas City, this Local Rule took me by surprise about 90 days ago. So do not feel bad. I am not sure why the local rule was put in place, as it seems unnecessary to me, but the Court is enforcing it very strictly. Once you file the separate Verification, it should resolve the problem and the case allowed to continue.See question
My husband and I filed chapter 13 in March 2016. Our repayment plan is quite steep; $2500.00 per month. Both of us are retired. Due to my husband medicines being quite expensive and other reasons this once a month a created a hardship. Therefore...
Absolutely... you are free to make payments as you wish as long as they total the monthly amount each month. You could pay it daily if you wish! Most often, people remit checks by mail to the Trustee, however, many Trustee's now have electronic fund transfers available so that money can be deducted electronically from your bank. Your attorney should provide you all the information needed. If you have no attorney, review the Trustee's website, or handbook you should have received at the meeting of creditors. As a last resort, you can call the Trustee office and ask to speak with a staff member about those programs.See question
i found a judgement against me in Oregon from 2010,but I'm in Missouri now. Does Missouri renew judgments from a different state?
While Mr. Fera's answer is correct, what is worth adding is that by registering the judgment in Missouri (which can be done at any time) it allows the creditor to now garnish any entity with a Missouri office that could be holding funds of your's or owe money to you. So, if you are employed by a company in Missouri, by registering the judgment in Missouri, your employer can now be garnished. Or, if you have funds in a Missouri bank, by registering the judgment, those funds could now be garnished.See question
I filed chapter 7 bankruptcy in 2010. I reaffirmed debt on my house. Since then I went threw a divorce and neither of us live there. So the house is vacant, has negative equity and is about to be forclosed. I'm being sued for what I owe one the ho...
As a Kansas bankruptcy attorney I would strongly urge you to not do anything until the foreclosure is completed. You may find that there is no deficiency owed. In other words, the mortgage company may bid in the full amount due. Secondly, even if there is a deficiency, I find it doubtful the mortgage company would pursue you for that amount. Of course it is possible though. If they do, you would be able to file Ch. 7 again in 2018. You could also retain counsel in the event the mortgage company files suit and hopefully negotiate a settlement. All the best.See question