Am I responsible for my spouse's student loan debt in North Carolina if she quits her job? Can my credit report be affected?
Cecelia's answer
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Answered on August 19, 2014
If you did not cosign, at any time (including any consolidations she may have done), they cannot come after you or your clearly separate assets. ...
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Can the attorney for the debtor in a bankruptcy case collect money after a case has been discharged and CLOSED.
Cecelia's answer
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Answered on August 11, 2014
Have your lawyer take a look at the debtor's bankruptcy schedules and statement of affairs ["SFA"}. Was the garnishment listed in the SFA #4? Was...
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My father co-signed on three student loans. The loans were in deferment when I filed a Chapter 13 Bankruptcy.
Cecelia's answer
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Answered on August 11, 2014
Ms Elder's good answer explains normal progression of student loans before, during & after a Chapter 13 for debtor and a co-debtor. Are you saying...
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Does student loan debt prior to marriage in AZ ever become the debt-free spouse's debt if it was incurred before marriage?
Cecelia's answer
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Answered on August 11, 2014
Unless you sign a spouse-guarantee should he consolidate loans, or otherwise legally obligate yourself to be responsible for his education debt,...
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Bankruptcy and LLC
Cecelia's answer
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Answered on August 11, 2014
Business bankruptcy is rarely recommended but yes, personal BR is a likelihood in your case. It is, however, important to find out (1) if your...
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I need a lawyer that excepts payment plans
Cecelia's answer
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Answered on August 11, 2014
If you are looking at jail, why don't you qualify for the PD? If this is something else, the problem is your hearing is in the immediate future...
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Can I file chapter 13 bankruptcy of private student loans. Not to have them discharged, but to make payments more manageable
Cecelia's answer
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Answered on August 09, 2014
If your income/expenses warrant smaller payments you may use the 13 for that purpose for up to 60 months. Remember, however, the contract interest...
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I am contemplating Chapter 7 Bankruptcy. All I own of value is my car(no loan) valued at 8.5K. Can I keep it?
Cecelia's answer
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Answered on August 08, 2014
Definitely consult a local bankruptcy attorney, especially regarding the best way to exempt your vehicle (and value it - maybe the value can be...
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I have received my final decree in chapter 7. I surrendered my condo. How long before the bank will begin foreclosure procedures
Cecelia's answer
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Answered on August 08, 2014
Unfortunately the bank can stall forever and you're on the hook for the HOA fees until title changes. Talk to your attorney about the deed in...
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Filed for chap 7 bankruptcy including mortgage in 2009 and left the home but are now (5yrs) being contacted by mortgage company.
Cecelia's answer
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Answered on August 07, 2014
Sounds like some violations of law to me. Consult an attorney who is not only well versed in bankruptcy law but also other areas of consumer...
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