I fell behind on my mortgage because of multiple payday loans and a gambling problem
Without an attorney, your chances are very nearly 0%. I can count on one hand the number of pro se litigants I have seen get their plans confirmed. Success is very rare.
With an attorney, your chances of a confirmable plan are much higher. However, it is impossible to know what a Chapter 13 plan can do for you based just on a single sentence. Bankruptcy can certainly address your payday loans and give you an opportunity to get current on your mortgage, but you will have to follow through with making the payments on your mortgage and Chapter 13 plan going forward. If you cannot do that, then your house will not be saved.
You need to schedule a consultation with an attorney immediately.See question
I worked at a department store and stole about 5000 worth of merchandise. They have me on camera and I was arrested on May 9th. I'm charged with felony 6 and I need a good idea if I will do any time at all because I have to relocate my family. ...
The answer depends on much more than the charge itself. Important factors are your criminal history (or lack thereof), your stability (work, family, community ties), the judge, the prosecutor, and the strength and skill of your attorney. The only way to get a useful answer is to talk with your attorney.See question
It was a group business (band) and checks were made out to group and all names were to be on llc. Now one member is claiming ownership rights to name because she has filed the llc and cashed group checks w an individual ssn
Simply because someone registers the LLC does not establish that the person is a member of the LLC, much less that they are the sole member of the LLC.
Mr. D'Esposito is entirely correct that you should review the operating agreement which should outline who owns the business and how the business is going to operate, although I wouldn't be surprised if you don't have one. This is why you really should have sat down with an attorney BEFORE you went into business with other people. Now you have a mess.
Essentially, your associate is claiming that he owns the company and the rest of the band simply work for him. I'm guessing that the rest of the band has a different understanding regarding how the business was supposed to be operated. If you don't have an operating agreement that outlines how the business is supposed to work, you may have to go to court to resolve that disagreement.See question
My father died and did not leave a will, he left behind quite a few IRAs and paid off vehicles and such. In Colorado- does it all automatically go to my mother (spouse) or I have heard that my mom is entitled to half and the other half goes to the...
The bottom line is that if there was no will you are not entitled to inherit from your father if your mother is alive and married to him.See question
I am a live in care giver at an RCFE for over a year and have been employee of the month 4 times my same sex partner and our child live with and now I am being told that my wife cannot be on the property and I may not have friends and family ther...
Your post raises a number of questions that aren't covered in your short description.
Are you the only live-in care giver at the facility? Are the restrictions on guests applicable to all employees or only to you? Why are your friends and family not allowed on the property?
An employer generally has the right to control access to their property. However, they cannot enforce rules in a discriminatory manner.See question
How long do I have to file bankruptcy in order to save my home once it has started to foreclosure proceedings? The bank you started for closure proceedings it is in its early stages. I believe the only way I will be able to get out of it and k...
The bankruptcy needs to be filed before the foreclosure sale. The public trustee in your county can tell you when that is. Since the paperwork takes time to prepare, it would be a good not to wait until the last minute to meet with an attorney.
If you are serious about keeping the house, you likely need to file a Chapter 13 case. Your chances of successfully getting a Chapter 13 plan approved without an experienced attorney are very low. You need to schedule a consultation with an experienced attorney as soon as possible.See question
I came home and found my landlord loading my possessions into his truck. We have never missed a payment nor have we received any kind of eviction notice. I recorded my landlord loading and driving away with my stuff. Is this a criminal offense? Ca...
Yes, you can (and should) report the theft to the police. You can also sue for civil theft and seek treble damages and attorney fees.See question
My daughter was in a car accident, not her fault. The car was a 2013, so she has about $10,000 left in payments. 87 year old woman ran a red light, lady got ticketed and has to retake her driver's test.
The car payments have nothing to do with what the insurance will pay. If the car is totaled, your daughter will be paid what the vehicle is worth. If she owes more than the car is worth, she will need to rely on gap coverage or - if she doesn't have gap coverage - she will need to address it herself. She may need to roll the deficiency into her next car loan, but that will put her in the same position she was in before the accident.See question
My daughter is almost 4 her father is in prison & is not eligible for parole until Sept 2026. I believe this is grounds for termination based on what I have read on Rev. Stat 19-3-604. He is currently ordered to pay child support through FSR but t...
Most judges will not terminate parental rights (and responsibilities) unless there is another person willing to step in and adopt the child. For this reason, the easiest way to terminate parental rights is as part of a step parent adoption.See question
The house that we live Does NOT have the loan in our name. It has my father's name. Before he died he did a deed of trust over to me. The lienholder was not aware of this and when I try to get everything legally put in my name for the assumption ...
You are using the wrong terms which makes it difficult to determine exactly what your status actually is. A deed of trust is held by the creditor, not the borrower. Your father should not have given you a deed of trust. If he did, it didn't give you any ownership in the property.
On the other hand, if your father gave you a quit claim deed, then you would own the property. What dind of deed did you actually receive? Did you record this deed before he died? If not, the bank likely assumed that the property belonged to his estate and was sending information to his widow.
There is a very simply way to stop foreclosure. You need to pay off the mortgage. If you have title to the property and can refinance the loan into your name, then the mortgage will no longer be in default and foreclosure won't be an issue.
In any event, there is a valuable asset - a house - on the line. You need to hire an attorney to review the real estate documents recorded with the county and discuss with you what you actually own and what you can do about the delinquency in your father's mortgage payments. The foreclosure process takes several months before you lose the property, but the sooner you figure out what is actually going on the better.See question