Questions answered by Errin Preston Stowell

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Spousal Debt: MN 512.05 (b) Statue vs Credit Card policy

Errin's answer | Answered on May 20, 2013

If you are only an authorized user then you are not "contractually liable" for the debt and thus the credit card company will not close the account...

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I was doing research on how to respond to a summons and complaint, I found on a website that it could be a fake. What should I d

Errin's answer | Answered on May 09, 2013

You can find out if the case has been filed in State court by searching under your name at the following website:...

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Cost for Chapter 7.

Errin's answer | Answered on May 06, 2013

I recommend you do some calling around. There are many qualified bankruptcy attorneys in the Twin Cities area who offer affordable rates for...

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Shouldn't my bankruptcy lawyer have asked me if there were any loans I wanted to reaffirm?

Errin's answer | Answered on April 17, 2013

It is very unlikely that the bankruptcy judge would allow the case to be reopened just to file a reaffirmation. There are easier, and probably...

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How can I escape private student loans?

Errin's answer | Answered on February 14, 2013

If you haven't already looked into the Income Based Repayment Plan then you should consider doing that ... the IBRP might turn out to be very...

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I what does sheriffs sale mean and how long after that do i have

Errin's answer | Answered on February 08, 2013

The sheriff's sale is where the property is foreclosed by the mortgage company. You should be served with a Notice of Mortgage Foreclosure Sale...

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Fourcloser and 50,000 second morgage that shows that it was written off and sold to collections, whats my recourse??? thanks

Errin's answer | Answered on February 01, 2013

The second mortgage holder will probably sue you for that debt, if they haven't already, to try to collect. You could (1) ignore them and let...

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How do i write an answer to a Summon/complaint, agreeing to the debt of unpaid medical bill and agreeing to pay on payment plan?

Errin's answer | Answered on January 28, 2013

If you don't answer the complaint then the creditor will be granted a judgment against you and will get their costs and attorney fees included. ...

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I filed ch 7 and had debt discharged. can i do a 'short sale' on my 2nd mort. and then reaffirm the 1st to stay in my home?

Errin's answer | Answered on January 28, 2013

I don't believe you would want, or need, to reaffirm the first mortgage. Just keep making those payments and you should be fine for that mortgage....

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Can Bankruptcy be used to halt a foreclosure on a house?

Errin's answer | Answered on January 24, 2013

A chapter 13 bankruptcy might be a good option for you to consider. A chapter 13 is often used to get caught up on arrearages to save a home. ...

Errin Preston Stowell's Answers (262)

Spousal Debt: MN 512.05 (b) Statue vs Credit Card policy

I was doing research on how to respond to a summons and complaint, I found on a website that it could be a fake. What should I d

Cost for Chapter 7.

Shouldn't my bankruptcy lawyer have asked me if there were any loans I wanted to reaffirm?

How can I escape private student loans?

I what does sheriffs sale mean and how long after that do i have

Fourcloser and 50,000 second morgage that shows that it was written off and sold to collections, whats my recourse??? thanks

How do i write an answer to a Summon/complaint, agreeing to the debt of unpaid medical bill and agreeing to pay on payment plan?

I filed ch 7 and had debt discharged. can i do a 'short sale' on my 2nd mort. and then reaffirm the 1st to stay in my home?

Can Bankruptcy be used to halt a foreclosure on a house?