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Paula Brown Sinclair

Paula Sinclair’s Answers

8,992 total


  • How do I deal with a debt collector on a second mortgage? We modified our first mortgage and this is now coming up.

    We submitted a loan mod for our mortgage with b of a. In the middle b of a sold it to another bank. The process took over a year but was finalized. Now we have a debt collector on our credit report showing we are late on payments for our second mo...

    Paula’s Answer

    Was the second mortgage discharged in connection with the modification of the first mortgage? If not, the second mortgage needs to be paid as originally agreed. To know more precisely where you stand, retain local real estate counsel to review all the mortgage documents

    Best wishes for an outcome you can accept, and please remember to designate a best answer.

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  • Is it legal in North Carolina to post a classified ad for divorce?

    My ex husband and I have been legally separated over 10 years. I'm on full disability. I have searched for lawyers and legal actions to file for my divorce since 2008. I cannot afford to retain a lawyer and can find no one to assist me with filing...

    Paula’s Answer

    Divorces are granted by courts, not classified ads. For information for resources on no/low-cost legal assistance contact your state bar association, legal aid office, nearest law school, and the clerk of the court in which you will file. Online listing show many options for self-help divorce in your state.

    Best wishes for an outcome you can accept, and please remember to designate a best answer.

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  • Why hasn't the insurance company responded to my attorneys demand letter?

    I slip in fell in a restaurant and sustained substantial injuries including multiple sprains, lacerations ,contusions, a bulge disc including radicular pain and I also had adjustment disorder my bills added up to be about $82,000.00 ( does not i...

    Paula’s Answer

    Yes, you are frustrated, but how will it help for virtual attorneys- who know nothing more about your case than you have disclosed- to speculate on the delay? You have counsel and, by your own description, your counsel is acting appropriately. Insurance adjusters have a well-deserved reputation for delay and deny. That is why smart plaintiffs have aggressive personal injury attorneys.

    Best wishes for an outcome you can accept, and please remember to designate a best answer.

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  • Is a notarized bequest binding?

    My brother lives in Missouri, I live in PA, both of us are married. We both have agreed whichever of us survives the other should receive any items that belonged to our parents. I suggested a notarized document between the two of us but my broth...

    Paula’s Answer

    The term "notarized document" is far too ambiguous to meet your needs. Notaaries perform more than one type of function in relation to document execution.

    Each of you needs to execute a document that qualifies as a last will and testament in the state in which you live. The formalities of a will vary greatly from state to state, so the assistance of local experienced estate planning counsel is needed.

    Best wishes for an outcome you can accept, and please remember to designate a best answer.

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  • Hello, I used Wen Products for yrs made from Chaz Dean. I now know i'm not going crazy. Do you Handle class action suits?

    I need help in a class action suit against Chaz Dean. The top of my hair line was a bold spot. I almost passed out. I went had a trim & she found a hugh bold spot on left upper back of my head. I just came home & cried, cried & cried. I went ...

    Paula’s Answer

    First of all, including personal information on a public forum like this is unwise, and Avvo attorneys are prohibited under the TOS from contacting you. Contact Avvo customer service to edit your post.

    To recruit an attorney, feel free to use the Avvo "Find a Lawyer" function for a personal injury attorney in your area.

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  • May I sell off an asset i.e., a boat, to a friend to protect it from a bankruptcy?

    I started a business and am going to have to claim bankruptcy.

    Paula’s Answer

    Sure, but the sale must be an arms-length fair market value transaction, and you will need to be prepared to show receipt and disposition of the sale proceeds. The transaction must be disclosed in the bankruptcy petition, and the trustee can be expected to scrutinize the transaction and sue the buyer if the trustee finds it to be a fraudulent conveyance. Nothing short of the assistance of experienced bankruptcy counsel will meet your needs in engaging in the bankruptcy planning you are contemplating.

    Best wishes for an outcome you can accept, and please remember to designate a best answer.

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  • Can a person go into a bar while on unsupervised probation

    Birthday tomorrow and we want to take him to the bar for a couple drinks

    Paula’s Answer

    What does the probation order say? No alcohol and avoiding places where alcohol are served are common provisions. Read it.

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  • Do you loose your property if you file for bankruptcy for tax debts?

    I owe Irs lots of taxes and I am not able to pay anymore so if I file bankruptcy in NJ will it save me from tax debt and if so would they take my house?

    Paula’s Answer

    Discharge of tax liability and retention of assets are two very separate issue in bankruptcy. Not all tax obligations are dischargeable, and retention of the house depends on the availability of exemptions to cover any equity in it. Determining the benefits and risks of bankruptcy is a complicated analysis that takes into account a variety of facts. For the assistance needed, consult local experienced bankruptcy counsel.

    Best wishes for an outcome you can accept, and please remember to designate a best answer.

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  • Listing Creditors Chapter 7 Bankruptcy

    My car is leased and wish to keep it even though I intend to file for bankruptcy. Will I still need to list this creditor on the bankruptcy schedules? If so, will there be a place to indicate that I am still making payments on it and intend to do ...

    Paula’s Answer

    Yes, and yes. But, most respectfully, these questions are so fundamental it is clear that you are over your head. On this public forum the volunteer virtual attorneys can provide nothing more than general information about the law and legal procedure. Relying on this forum for advice in a specific case is unwise, maybe dangerous. Bankruptcy is a complicated procedure full of landmines that bring irrevocable and very unwelcome consequences. Nothing short of representation by local experienced counsel will meet your needs.

    Best wishes for an outcome you can accept, and please remember to designate a best answer.

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  • Can domestic violence affect SSI?

    My son receives SSI, I am the payee in his case because his mother does not have legal status in this country. Earlier this year I was arrested for domestic violence and I was sentenced to probation and DV classes. I received a notification in the...

    Paula’s Answer

    A Representative Payee's criminal record itself does not affect the entitlement of the child to SSI benefits, but Social Security may be concerned about whether there have been changes in the child's living arrangements, income or assets, or whether your DV conviction casts doubt on your ability to function as Representative Payee.

    Best wishes for an outcome your an accept, and please remember to designate a best answer.

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