I filed ch.7 bankruptcy in 2010. The only debt I reaffirmed was my house. A couple years later I went threw a divorce and both of us left the house and it went into foreclosure. That process just ended in January of this year. I just received a le...
By reaffirming you did agree to remain liable for the debt. If this was a second mortgage, it would make sense you are still liable after foreclosure, but it is rare that you would still owe on a first mortgage.
You could seek a free consultation from a bankruptcy attorney to consider your options. You must wait 8 years before you could file a second 7, but you could file a 13 now as that only requires 4 years since the 7.
i bought a car from a dealer and they repoed the car they say i owe 1600 i don't feel that i do . but i bought a used car from a friend and need to know if the lawyers can take it
No, only the creditor you give a lien to can take your one car, as it is exempt from collection by creditors in Kansas up to a value of $20,000.See question
Hello, I live in Kansas and owe money to some credit agencies in Oregon for medical bills. I would like to open a bank account and know I should bein paying Theae debts but can not afford to pay all of them, seeing as there are different accounts ...
Creditor in Kansas may not garnish until after they sue you and get a judgment.
Bankruptcy can stop all collections on debt, even after they get a judgment. You should seek a free consultation with a bankruptcy attorney.See question
My husband and I are in our mid twenties. We currently have about $18k in debt both secured and unsecured. $15k is a secured loan, which we have defaulted on, and will soon be having our car repossessed. We spent time trying to keep up with the de...
You definitely should seek a free consultation with a bankruptcy attorney to explore ways to keep the car or to deal with the debt after repossession.See question
Hi I am currently in the process of filing bankruptcy, I have not notified the courts nor have I notified my car dealership. I am currently upside down in payments and I am currently making $500 payments. I am cannot afford the payments; however, ...
You will need to pay your regular contract payments to keep the car in a chapter 7, or you could pay for the car over up to five years in a 13. The amount you must pay in a 13 depends on the value of the car and when you borrowedthe money for the car.
The exemption does not allow yout to keep the car without satisfying the lien by paying for it, but yes a debtor can protect $20,000 equity in a car against your trustee in bankruptcy.
You could consider seeking a free consultationf from a bankruptcy attorney.
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