Questions answered by Ryan J. Dove

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Fileing chapter 13; repaying behind mortage and carpayments.

Ryan's answer | Answered on January 30, 2015

I don't know about VA, but in TX it is a crime to hide the vehicle to keep it from the creditor. Have you expressed our concern to your...

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I have been subpoenaed by a collection attorney for deposition to produce tax returns for the last 3 years.

Ryan's answer | Answered on January 30, 2015

Assuming the subpoena is proper, they can ask you to produce anything relevant to the debt. Assuming this is post judgment discovery, they can ask...

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Should I send a dispute letter to a collection agency that just acquired a discharged debt?

Ryan's answer | Answered on January 30, 2015

Contact your bankruptcy attorney. If the debt was indeed discharged and the creditor had notice, this may be a violation of the discharge order. ...

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Was my new car loan be included in my chapter 7?

Ryan's answer | Answered on January 29, 2015

If I understand your facts: -bk filed -car purchased -bk dismissed -order vacating dismissal entered -bk discharged You are asking if the...

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Is there a time limit to collect on a loan balance that I was not aware that I owed ?

Ryan's answer | Answered on January 29, 2015

Did you take out a loan and use that money to pay off all of the other loans? Did the bank you borrowed the money from pay them directly? A red...

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Coming to end of Chapter 13. trustee paid 1st & 2nd mtg as a continuing payment. Now wondering on 2nd mtg -- accrued amount.

Ryan's answer | Answered on January 29, 2015

Mr. Perez gave you some great information. I believe your issue is fact and document specific. I think you need to sit down with a local...

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Can I use wild card to exempt my non-filing spouse's business inventory from a sole proprietorship in my Ch 7 bankruptcy?

Ryan's answer | Answered on January 29, 2015

To directly answer your question, as long as you have lived in Texas for more than 2 years you can apply the wildcard to your husband's...

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Husband removed my name from the mortgage, refinanced, declared bankruptcy house sold 2/4 relisted 2/23, removed 3/29,sold 9/30

Ryan's answer | Answered on January 28, 2015

I am not entirely sure what you are asking. Is what legal?

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How to remove credit card debt from credit history?

Ryan's answer | Answered on January 28, 2015

Items will fall off your credit report naturally 7-10 years after the last payment. There are a few narrow exceptions to this rule. You cannot...

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Debtor's lawyer objects to proof of claim asserting the debt was paid in full. Why offer a settlement the day before the hearing

Ryan's answer | Answered on January 28, 2015

Unfortunately no one on here can tell you what the lawyer was thinking or what his motivation was - we're not inside his head. If you're not a...

Ryan J. Dove's Answers (774)

Fileing chapter 13; repaying behind mortage and carpayments.

I have been subpoenaed by a collection attorney for deposition to produce tax returns for the last 3 years.

Should I send a dispute letter to a collection agency that just acquired a discharged debt?

Was my new car loan be included in my chapter 7?

Is there a time limit to collect on a loan balance that I was not aware that I owed ?

Coming to end of Chapter 13. trustee paid 1st & 2nd mtg as a continuing payment. Now wondering on 2nd mtg -- accrued amount.

Can I use wild card to exempt my non-filing spouse's business inventory from a sole proprietorship in my Ch 7 bankruptcy?

Husband removed my name from the mortgage, refinanced, declared bankruptcy house sold 2/4 relisted 2/23, removed 3/29,sold 9/30

How to remove credit card debt from credit history?

Debtor's lawyer objects to proof of claim asserting the debt was paid in full. Why offer a settlement the day before the hearing