Archived
Now that I’ve received my Chapter 13 Discharge and I’ve filed the Debtor’s Certificate of Compliance, what must I do to finalize
Cecelia's answer
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Answered on June 06, 2014
By all means, get a certified copy of the Bankruptcy Court's Order stripping (extinguishing) the lien and hang onto it. I strongly recommend you...
Archived
Filed Chapter 7 in 2009. Can bank seek real estate taxes in 2014?
Cecelia's answer
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Answered on June 05, 2014
You're safe but your ex may not be, unless he also filed bankruptcy and no one formally reaffirmed the debt thereafter. What actions were involved...
Archived
Is the bank whom your house is financed to
required to file with the court a claim for the deficiency in chapter 13
Cecelia's answer
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Answered on June 04, 2014
No, the mortgage creditor is not required to file a proof of claim for arrears but if it does not, and also does not object to the amount your plan...
Archived
Chapter 13 and foreclosure question
Cecelia's answer
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Answered on May 29, 2014
I would definitely list the creditor anyway. It won't cost more to list it, it's safer [credit reports are not judicial fact] and it's a nice way...
Confused about motion to surrender?
Cecelia's answer
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Answered on May 29, 2014
By 'surrendering the house,' you opened the way for the mortgage lender to start foreclosure proceedings. Often the people at the "payment" arm...
Selected as the best answer
Archived
Do I have to pay a deficiency on a foreclosure in Chapter 13 repayment plan?
Cecelia's answer
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Answered on May 29, 2014
I always ask, 'Do you have an attorney in your 13?' If so, you should ask him/her, as they know exactly what your plan provides for...
Archived
Is there a way I can find out when my ex. has his bankruptcy court date?
Cecelia's answer
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Answered on May 28, 2014
You should have received a written notice of the "341 meeting of creditors" from the Bankruptcy Court, if he owes you support or was ordered to pay...
Archived
What do I have to do to get my trustee (bankruptcy ch. 7 case) to sign off on a loan modification?
Cecelia's answer
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Answered on May 28, 2014
What do you mean by "not going through with the ch.7" and why did you change your mind? Do/did you have an attorney to file the case and meet with...
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I made a personal loan to a friend and he signed the promissory note after he filed for Chapter 7.
Cecelia's answer
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Answered on May 20, 2014
As the others state, timing is everything. If both your loan and his promissory note occurred after he filed bankruptcy, he is legally obligated...
Archived
My husband and I filed ch 7 and it was discharged 4/28/14. The house loan wasn't in BK and we didn't reaffirm the debt.
Cecelia's answer
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Answered on May 20, 2014
Check to see if your case has been closed as well as discharged. If not, you (or better, your attorney) should file a motion for abandonment by...
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