Does mean after I appear in court? Since I'm not represented by attorney, it says I should sign it. This is for medical debt. Can I ask for a payment plan?
An answer is a document filed in Court that admits or denies what a lawsuit is alleging. If you do not file an answer, the plaintiff who filed the suit wins and gets a judgment that allows them to garnish bank accounts and 25% of gross wages.
Bankruptcy would stop the process at any stage.
The trustee has sent me an objections to claim of exemption. I have asked to exempt 2 vehicles, It's stated, "the debtor should be required to designate a single vehicle as exempt within 14 days of any order entered under this exemption." What s...
As you are beginning to learn, Kansas allows you to exempt your interest in ONE vehicle, worth up to $20,000 in equity, but not two vehicles. You will need to pick the one most valuable to you. The other now belongs to your Trustee. He will want to sell it for money; he would be willing to sell to you. You should probably consider hiring an attorney to assist you in these negotiations.See question
I got ripped off on a car that I put $6000 on I literally have no money and lost my job because I had no transportation the car place pretty much did me dirty and forged my title after seven months of me having the car I hadn't had a title at all ...
A chapter 7 bankruptcy will likely cost around $1,800. That may be steep to deal just with a 6,000 debt. So, one way to avoid bankruptcy could be to try to settle the debt for the return of the car and some money. You could try to find an attorney to sue the dealership, but that would likely cost money and have an uncertain outcome. You should probably get a free consultation with a bankruptcy to explore whether bankruptcy could help you with more than just the 6,000 car loan.See question
I have a hospital garnering my check
You will most likely be looking at either a Chapter 7 or 13. Which one would not really be determined by the fact a hospital is garnishing, but by other factors such as your income and other types of debt like secured or priority that could be better dealt with in a 13 than a 7. Probably the best way to know which Chapter is to meet with an experienced bankruptcy attorney.See question
I was in a car wreck can bankruptcy take it.
Kansas has no exemption for personal injury lawsuits, so you cannot take a settlement of a lawsuit while you are in bankruptcy as your trustee has an ownership interest in the lawsuit. So, you need to disclose the settlement to the trustee and try to reach an agreement that would allow you to perhaps keep some of the proceeds. If you take the money and the trustee finds out later, there will be problems.See question
I owe 4 credit card's a total of $36000.00. I lost my job(fired) about 3 months had been with the company 9yrs. Am looking for a job, maybe 100$ in the bank and no retirement savings. Have talked with a attorney about bankruptcy and got advised to...
A chapter 7 bankrupty can elimninate credit card debt and does not require income to file bankruptcy, but the costs to file a u must be paid before filing. A 7 will not stop foreclosure on a home or repossession of a vehicle if you are behind on mortgage or car payments. Perhaps there was a misunderstanding about what the attorney said. You could ask that attorney again or consider talking to another one. It is important that you understand what your attorney is saying.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
At the least, you are at the point where you should talk to an experienced bankruptcy attorney to discuss how bankruptcy works and whether it would be appropriate for you. It would likely be a free consultation, after which you would have a great idea as to whether bankruptcy can help you. Certainly time is a factor as you only have so much time to file an answer to the lawsuit before they take a judgment against you and then could start garnishing wages and bank accounts. When you file bankruptcy, all collection stops immediately even after they take a judgment. As a very rough rule of thumb, bankruptcy is likely a good option when your unsecured debt approaches 50% of your income. Note that some taxes can be discharged in bankruptcy.See question
I have been overpaid unemployment benefits from 2014 in the amount of 10000 dollars and outstanding credit card debt in the amount of 6000.
Yes, overpaid unemployment benefits may be discharged or eliminated in bankruptcy, unless the state claims fraud. A rough rule of thumb is bankruptcy can make sense when unsecured that can be eliminated exceeds 40 to 50 of your gross income.See question
My husband and I took out several payday and installment loans a few years ago, also a couple credit cards. I am afraid to talk to a lawyer because we don't have all the creditor's names, contact info, account numbers, etc. and do not even remembe...
Richard already pretty much nailed it, but you can and will do the best you can at listing the names and addresses of all of your creditors if you should file bankruptcy. It is usually free to talk to an attorney, and you do not need everything at your fingertips to do so. You may not even need to file bankruptcy if your sole source of income is social security and you have no non-exempt property. So, time to talk to an experienced bankruptcy attorney.See question
Got served by a Credit Card company to appear in the "Limited Action Court" of KCK, for a credit card I took out in a 'previous life' when I had a bit of a substance problem. Got sober, I was making payments, but then I lost my job due to downsizi...
The day you file bankruptcy, an automatic stay Order goes into effect that stops all collection activity, including pending lawsuits. So, it is not too late to file bankruptcy, but if you do not, then they may obtain a judgment which would allow them to garnish 25% of your wages earned in Kansas. You should immediately set up a consultation with a bankruptcy attorney, most of which offer a free initial consultation.See question