Questions answered by Barry W. Rorex

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Do I need to list my former spouse as a creditor, if we had several judgments against us, during our marriage?

Barry's answer | Answered on July 08, 2014

Your former spouse is properly listed on Schedule H as a co-debtor. Remember that you divorce decree does not have any legal impact on the...

Archived

While preparing to file chapter 7 is it wise to give credit card companies requested info concerning all my financial data?

Barry's answer | Answered on July 08, 2014

I agree with the other answers. I don't believe it is ever wise to provide information to a credit card company unless you are applying for a card.

Archived

Filed for C-7. On the form the attny filed it lists creditors but the amount is '0'. He said it is OK the amount doesn't matter

Barry's answer | Answered on July 08, 2014

It is good practice to list creditors that you may not think you owe but could possibly. The amount listed is only minimally useful as each...

Archived

I filed chapter 7 -schedule J was incorrect I left out some expenses ...the judge said to amend it how do I do it?

Barry's answer | Answered on July 08, 2014

No, you don't need to do whole petition again and don't need to pay a new filing fee. Just file a new Schedule J with the correct information. Note...

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I was doing a loan modification when my mortgage company sold my property in foreclosure (dual tracking). Do I have options?

Barry's answer | Answered on July 08, 2014

Unfortunately, this situation is not uncommon. Many people do not realize that just negotiating with a lender about a modification, a short sale or...

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If I file for bankruptcy will it stop a judgment of foreclosure if the property is scheduled to be sold in four weeks.

Barry's answer | Answered on July 08, 2014

Bankruptcy will stop the immediate foreclosure sale but, unless you have the ability to pay the mortgage, the lender will be able to petition the...

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Is it possible to file for chapter 7 bankruptcy and include the attorney on my divorce? This attorney is not answering my calls,

Barry's answer | Answered on July 08, 2014

Not only may you include your attorney, you are required to list all debts you have at the time of filing. There is no ability to pick and choose...

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Can landlord come back for more money after signing off on final walk through inspection?

Barry's answer | Answered on July 07, 2014

I'm not certain of your facts. If you have copy of landlord's wife signing off on the final walkthrough, that should be your defense. If you did...

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What is the proper method for vacating my house in foreclosure after bankruptcy?

Barry's answer | Answered on July 06, 2014

It is not uncommon for banks to take months or even years to actually get around to foreclosing. If the bank is local, I would suggest calling them...

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What are the statue of limitations on a credit card bill?

Barry's answer | Answered on July 06, 2014

Most credit card obligations have a six year statute of limitations in Arizona. Every time you pay them anything, the clock starts ticking all over...

Barry W. Rorex's Answers (708)

Do I need to list my former spouse as a creditor, if we had several judgments against us, during our marriage?

While preparing to file chapter 7 is it wise to give credit card companies requested info concerning all my financial data?

Filed for C-7. On the form the attny filed it lists creditors but the amount is '0'. He said it is OK the amount doesn't matter

I filed chapter 7 -schedule J was incorrect I left out some expenses ...the judge said to amend it how do I do it?

I was doing a loan modification when my mortgage company sold my property in foreclosure (dual tracking). Do I have options?

If I file for bankruptcy will it stop a judgment of foreclosure if the property is scheduled to be sold in four weeks.

Is it possible to file for chapter 7 bankruptcy and include the attorney on my divorce? This attorney is not answering my calls,

Can landlord come back for more money after signing off on final walk through inspection?

What is the proper method for vacating my house in foreclosure after bankruptcy?

What are the statue of limitations on a credit card bill?