What can I do if one of my customers (construction project) filled deceptive trade criminal charges against me ?
Cheryl's answer
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Answered on February 11, 2021
Bankruptcy does not protect an individual from being charged for criminal acts. The District Attorney does not have to consider the bankruptcy...
My vehicle was discharged in my Chapter 7 bankruptcy last year, but I kept paying. Will it be repossessed if I stop payments?
Cheryl's answer
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Answered on November 20, 2019
All loans that you owe must be included in the bankruptcy. However, you have the option of Reaffirming the debt. This is an agreement you enter...
I have a car loan I have a co-signer in my car loan and the co-signer??
Cheryl's answer
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Answered on September 23, 2018
If you are filing Chapter 13 in El Paso, it is most likely that your car payment is being paid under the plan. Only in rare circumstances does the...
Archived
I submitted a payment to finish bankruptcy 3 months early, Will trustee close my case early or am I out that payment?
Cheryl's answer
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Answered on September 13, 2018
As the rest of the attorneys have said, you really need to contact your attorney. That being said, the Trustee typically will not keep more than...
My ex-wife filed for Chapter 7 bankruptcy but We had a mortgage loan together is this bankruptcy going to affect me?
Cheryl's answer
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Answered on August 21, 2018
As long as you keep paying on the house, you should be fine. Your credit report MAY reflect that a co-buyer filed for bankruptcy, but the mortgage...
Can a mortgage balloon payment be in chapter 13 bankruptcy?
Cheryl's answer
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Answered on July 24, 2018
Yes, you can put a balloon payment in a Chapter 13 as long as you pay the full amount due plus interest in the 60 months.
Archived
Can a mortgage lender hold the lein/or deed if i choose to payoff now?
Cheryl's answer
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Answered on February 01, 2018
If you pay off the note in full, the lien holder must release the lien. They do not have to report it to the credit bureau; however they cannot...
Archived
Would you suggest I Reaffirm vehicle or Surrender property on assets page of bankruptcy given the explanation below?
Cheryl's answer
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Answered on January 31, 2018
I agree with Mr. Caldwell; however, I will give you one piece of advice. Being an El Paso bankruptcy attorney, I will tell you that no credit...
Can a Chapter 7 bankruptcy be amended several years later?
Cheryl's answer
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Answered on August 03, 2017
I agree with the answers provided. Once you have reaffirmed the debt and received your discharge, you cannot go back and reopen the bankruptcy to...