Richard James Reister's Answers (36)

Archived

What do I do if I'm in Chapter 7 & can't get copies of my tax returns?

Richard's answer | Answered on August 05, 2009

Have you tried ordering Tax Transcripts from the IRS? http://www.irs.gov/individuals/article/0,,id=110571,00.html Tax Transcripts should work just...

Archived

My bankruptcy case was dismissed for not providing extigent reason for filing prior to obtaing credit couseling. what to do now

Richard's answer | Answered on July 24, 2009

It is very difficult to get a waiver of the credit counseling requirement. Go ahead and do the credit counseling, and then re-file your case. The...

Archived

Parent bankruptcy claim is now showing on my credit report. what now?

Richard's answer | Answered on July 24, 2009

I recommend you use the following as proof: You need to do a national search under Bankruptcy using your SS#. The result will show that you never...

Archived

I filed bankruptcy 10 years ago and it was settled now Providian(credit card) put a lien for the debt included in bankruptcy.

Richard's answer | Answered on July 23, 2009

Your lawyer probably did everything correctly, but unfortunately, that doesn't stop creditors from coming back. We see this kind of thing all the...

Archived

Can you explain the difference between a chaper 11, 7 and 13?

Richard's answer | Answered on July 23, 2009

A chapter 11 is for people with a lot of assets (millions of dollars) and large businesses. In a Chapter 13, a payment plan is set up over the...

Archived

If we were discharged from bankruptcy in 2004 can we file a chapter 7 in florida

Richard's answer | Answered on July 23, 2009

You have to wait 8 years from the day the case was filed to be able to file another bankruptcy case. So if you were discharged from a Ch. 13 with a...

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