Questions answered by Dorothy G Bunce

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I receive disability benefits that is from a policy that was paid for by my employer. The benefits paid are replacement income.

Dorothy's answer | Answered on January 23, 2011

In most states where disability benefits are considered to be an exempt asset, it really doesn't matter who pays the premiums. You would need to...

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We were told we have a 11000+ wild card each. We are no where near meeting that with what we have. Can we protect money?

Dorothy's answer | Answered on January 23, 2011

I am not familiar with the exemption laws in MN, but the wild card exemption is a pretty common form of exemption. Like in gambling, the wild card...

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Whats best, to accept the terms of a loan modification from the leander then go into bancrupcy.

Dorothy's answer | Answered on January 23, 2011

I have posted a 4 part video series about loan modification under my legal guide which may help you. In my experience, if you file Bankruptcy...

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I completed a loan modification in August. I was told to mail a cashier check for October payment. Now they are refusing to

Dorothy's answer | Answered on January 23, 2011

I have posted a 4 part video on the loan modification process in my legal guides & I would urge you to watch this entire series. It is sad to...

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Chpt13 lien strip

Dorothy's answer | Answered on January 23, 2011

The requirements to obtain an appraisal differ in each Bankruptcy Court. Even though there is no market, people in the business of providing...

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Personal loan & cards not paid

Dorothy's answer | Answered on January 23, 2011

When you don't pay your credit card debts, the collection process will begin. It starts will calls & letters from the bank, and your account can...

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Can a 3rd party collector out of state sue over a Internet payday loan

Dorothy's answer | Answered on January 23, 2011

Collectors buy debts all the time and have lawyers sign on the complaints that they file with the court. They can find a lawyer to sue you in your...

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Do I have a cause for action?

Dorothy's answer | Answered on January 23, 2011

The myth that you can write payment and final on your check & avoid having to pay the actual amount of the debt eliminated still persists. But it...

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Once I go to a lawyer give all my info Pay check stubs, credit report, House payment info .ect. How long will it take to know

Dorothy's answer | Answered on January 23, 2011

Analyzing your income and deductions can take some time, about as much time as preparing your tax returns. In some situations, a bankruptcy...

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Can I file Chapter 13 bankruptcy after filing Chapter 7, 6 years ago?

Dorothy's answer | Answered on January 23, 2011

You almost always will be eligible to file a Chapter 13 after a Chapter 7, and many people jump into a Chapter 13 almost immediately after...

Dorothy G Bunce's Answers (32791)

I receive disability benefits that is from a policy that was paid for by my employer. The benefits paid are replacement income.

We were told we have a 11000+ wild card each. We are no where near meeting that with what we have. Can we protect money?

Whats best, to accept the terms of a loan modification from the leander then go into bancrupcy.

I completed a loan modification in August. I was told to mail a cashier check for October payment. Now they are refusing to

Chpt13 lien strip

Personal loan & cards not paid

Can a 3rd party collector out of state sue over a Internet payday loan

Do I have a cause for action?

Once I go to a lawyer give all my info Pay check stubs, credit report, House payment info .ect. How long will it take to know

Can I file Chapter 13 bankruptcy after filing Chapter 7, 6 years ago?