Archived
Mortgage loan was discharged in Chapter 7 Bankruptcy, can we stop paying and save money, and then get a new mortgage in 2 yrs?
James's answer
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Answered on June 21, 2012
Attorneys are not in the business of getting loans. We are in the business of getting out of loans.
You should speak to a mortgage broker and...
Archived
Can i convert from a chapter 13 bankruptcy to a chapter 7 bankruptcy
James's answer
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Answered on June 21, 2012
Yes. If you have a change of circumstance, you can convert to a Chapter 13.
There are consequences if you have any secured debts.
If you...
Archived
I filed Chapter 7 after an UD action was filed against me. The Plaintiff has now filed a motion for relief from automatic stay.
James's answer
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Answered on June 21, 2012
There is no fee to respond to a Motion for Relief from the Automatic Stay.
Archived
Can a married 57 year old woman, who filed personal bankruptcy a year ago, send cease and desist letters?
James's answer
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Answered on June 21, 2012
Can you send them out? Yes.
Are they binding? No.
There is the saying that you cannot get blood out of a turnip.
If there is nothing to...
Are prepaid funeral contract expenses and owned burial plots or crypts protected from bankruptcy chapter 7?
James's answer
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Answered on June 21, 2012
This is an exemption question. You must determine which exemption scheme applies to you.
Here is a link to florida exemptions if they apply:...
Archived
Can you put a business in your business partners name and remove your own when your divorcing and filing bankruptcy
James's answer
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Answered on June 21, 2012
Does this look bad? Yes.
Is it illegal? It is unclear.
If there are legitimate reasons for taking these actions and they are reported in the...
Is my security deposit with my landlord exempt in chapter 7 bankruptcy?
James's answer
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Answered on June 21, 2012
It depends on your exemption scheme. Most states protect a portion of the deposit.
Without knowing which exemptions you can take, that is about...
Archived
Why are fees greater for filing chapter 7 if assets are involved, vs no assets?
James's answer
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Answered on June 21, 2012
There is a lot more work to be done. Both before and after filing.
Prior to filing, you can do something called exemption planning. This takes...
Archived
How long does a Chapter 13 amendment on student loans take?
James's answer
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Answered on June 20, 2012
The amendment can be done in a matter of minutes - if you know what you are doing.
As for approval of the amendment, this will probably not...
Archived
Can I continue to use my credit cards if bankruptcy was voluntary dismissed
James's answer
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Answered on June 20, 2012
I understand what the other attorney is saying about chapter 7's not being voluntarily dismissed. For the most part, this is true.
The main...
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