Archived
How long if the S.O.L. on a line of credit in California? Attorney said 4 yrs but the Agency says it's 7 and will foreclose
Hamid's answer
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Answered on June 20, 2011
I agree with the prior answers. Your personal liability will be discharged by the Chapter 7. Liens on the home will survive a Chapter 7 but that...
Archived
Is it possible to do bankruptcy w/o hiring a lawyer?
Hamid's answer
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Answered on June 20, 2011
Many courts have times when there are self-help pro bono attorneys on staff to help debtors with paperwork. You can contact Public Counsel...
Archived
Does trustee make car payments for me in Chapter 13?
Hamid's answer
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Answered on June 16, 2011
I do not practice in Texas but as a general rule the Trustee will make payments to your auto lender if that loan is included in your plan. In some...
Archived
Can you ammend a Chapter 7 bankruptcy and get a Home Equity Loan (2nd mortgage) removed AFTER a discharge??
Hamid's answer
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Answered on June 16, 2011
If you did not reaffirm then both your 1st and 2nd were subject to the discharge order. That means you have no personal liability on the loans....
Archived
Chapter 13 B-22c form
Hamid's answer
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Answered on June 14, 2011
If your income is below the median based on the Form 22, then you can propose to calculate your disposable monthly income based on Schedules I and...
Archived
401k Loan and Form B22C
Hamid's answer
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Answered on June 13, 2011
Check out the case of Edgejberg v. Anderson (available at: http://www.ca9.uscourts.gov/datastore/opinions/2009/05/29/08-55301.pdf). In that case...
Archived
I've been discharged in chapter 7. My estranged husband was involved in an adversary case related to my bankruptcy.
Hamid's answer
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Answered on June 12, 2011
Your question involves a number of complicated divorce and bankruptcy issues. It is very difficult to sort through what has happened but it sounds...
Archived
My HOA in Arizona is suing me. My house already foreclosed by bank. I have moved to another state. What will happen ?
Hamid's answer
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Answered on May 23, 2011
In order to defend yourself you absolutely should seek out an Arizona attorney who can respond to the lawsuit appropriately. Or, if you are...
Archived
Who is responsible for removing negative item from my credit report...the landlord or the collection agency or both?
Hamid's answer
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Answered on May 22, 2011
You should file a dispute with one of the three major credit reporting bureaus: Equifax, Experian, or TransUnion. They will send a verification to...
Archived
Breach of contract law - a revised statute or case law to refer to?
Hamid's answer
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Answered on May 16, 2011
Both of the prior answers are helpful. My only other recommendation is that you get an attorney to help you. In Arizona, there is no reason to...
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