Questions answered by Justin Charles Valencia

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If I include federal student loan debt in my filing and they deny it, does that affect my bankruptcy for all other creditors?

Justin's answer | Answered on August 31, 2015

Most jurisdictions would want you to make some sort of payments or payment plan prior to even entertaining a possible discharge of your student...

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I have filed my bankruptcy case and my meeting of creditors is in a couple of weeks. If I left off a few items how do I include

Justin's answer | Answered on August 31, 2015

Use a cover sheet for amendments which details what was changed, added, removed or modified on your bankruptcy petition. Add those specific...

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What happens if i stop paying my payment on my chapter 13 BK. ?

Justin's answer | Answered on August 30, 2015

The Trustee will motion the court to dismiss your case for failure to make plan payments. Most of you plan payments to your attorney occur within...

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What type of attorney do I need?

Justin's answer | Answered on August 29, 2015

Your best bet is to talk with a local bankruptcy attorney. Use the "Find a Lawyer" tab above.

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What would be better for filling for bankruptcy chapter 7 or chapter 13 and also how much would it cost to file bankruptcy

Justin's answer | Answered on August 29, 2015

Costs for a 7 range in from several hundred to over a grand. Costs for a 13 can be three of four grand, but that is built into the payment plan. ...

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What is the cost of filing bankruptcy in MA and are there any programs that help with the cost?

Justin's answer | Answered on August 28, 2015

Chapter 7 fees can be anywhere from several hundred to just over a grand. Chapter 13 might be as high as three of four grand (but those get paid...

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Can a Federal Employee claim a Federal Debt in a Bankruptcy, and the debt be Discharged without losing their job?

Justin's answer | Answered on August 28, 2015

This question is seeded with multiple questions. First, you can claim bankruptcy. If your business doesn't have any assets then you need to file...

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Is there any way to remove my name from a co-signed student loan? Do I have any options to avoid my credit from being ruined?

Justin's answer | Answered on August 28, 2015

Here is a link: https://www.salliemae.com/student-loans/managing-your-loans/cosigner-responsibilities-and-release-information/cosigner-release/. ...

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I am trying to find a company that will help remove the negative marks off of my credit score.

Justin's answer | Answered on August 28, 2015

Frankly, you can dispute credit marks on each of your credit histories using their online dispute resolution system. Start with...

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How do I remove my soon to be Ex wife from the deed to the house if we are in bankruptcy and can't refinance?

Justin's answer | Answered on August 27, 2015

You need to get the bankruptcy court to approve the transfer of her interest via a quit claim deed. The debt will not be transferred. Since you...

Justin Charles Valencia's Answers (280)

If I include federal student loan debt in my filing and they deny it, does that affect my bankruptcy for all other creditors?

I have filed my bankruptcy case and my meeting of creditors is in a couple of weeks. If I left off a few items how do I include

What happens if i stop paying my payment on my chapter 13 BK. ?

What type of attorney do I need?

What would be better for filling for bankruptcy chapter 7 or chapter 13 and also how much would it cost to file bankruptcy

What is the cost of filing bankruptcy in MA and are there any programs that help with the cost?

Can a Federal Employee claim a Federal Debt in a Bankruptcy, and the debt be Discharged without losing their job?

Is there any way to remove my name from a co-signed student loan? Do I have any options to avoid my credit from being ruined?

I am trying to find a company that will help remove the negative marks off of my credit score.

How do I remove my soon to be Ex wife from the deed to the house if we are in bankruptcy and can't refinance?