I recently was discharged from the navy due to depression issues after my wife passed away from kidney failure about 2 years ago. I was able to maintain my bills for the last year and a half but recently, I have been struggling to make any of my p...
Aside from the complete answers you've already received, some lawyers may be willing to help you with preparing your case correctly for a reduced fee. Possibly this may be enough to get you the help you need, but without full representation after your case is filed and throughout the duration of your case.
Best of luckSee question
Is there anything that can be done at this point to stop my wages from being garnished? I spoke with the law offices who pursued the court order and judgement and they said I can pay the debt in full (obviously) to stop the garnishment. Not surpr...
Immediately file a claim of exemption if you can prove a hardship. There will be a hearing scheduled on this after you file, so be prepared. The court website (Los Angeles Superior Court) has self-help forms to guide you through the process.
You may also want to explore bankruptcy options as another course of action, even if you choose to file the claim of exemption. Depending on your circumstances and specific facts, the protection and relief of bankruptcy law may not only stop the garnishment outright but also extinguish the underlying judgment / debt you owe.
Best of luckSee question
My son had a wreck and i had forgotten to reinstate him on my insurance when he returned from active duty,so my insurance wont cover the accident,and i am financially unable to cover the cost of repairs, also how much would it cost to start bankr...
All debts (not pick-and-choose) must be included when filing bankruptcy. More details and thorough would be needed before learning if this auto claim is a great reason for seeming the protection and relief and relief of bankruptcy law.
Who owns the car and who is on title? Is there a pending lawsuit? Insurance claim?
Contact a few attorney and get consultations; most offer a brief analysis free of charge.See question
I have been living in my house for 10 years. I had an adjustable rate mortgage with a teaser rate that kicked in with principal and interest, and began to strain me financially. Ocwen gave me a trial payment plan and right in the middle they switc...
If you are not able to get the loan modification in place before the foreclosure sale, one alternative may be to file chapter 13 bankruptcy stopping the foreclosure and structuring a repayment plan to cure the default over the next 3-5 years.
However, filing Chapter 13 bankruptcy can get tricky, so it would be in your interest to enlist the help of a bankruptcy lawyer to analyze your specific situation in advance of any foreclosure trustee sale date. If done correctly, Chapter 13 bankruptcy may offer a very good long term strategy for getting the home out of foreclosure, and also help you to manage the rest of your debts and financial burdens.
Best of luck keeping your home and staying out of foreclosureSee question
I owe 9000 can i file bankruptcy?
Simple answer: No. There is no minimum debt limit eligibility requirement when filing bankruptcy.
However, as others have mentioned it may or may not be the best option or wisest decision for a variety of reasons.See question
My wife and I live 300 miles from the county where an order of examination has been placed for an enforcement of Judgement. It is a hardship to attend and we really don't have the resources to pay the judgement. We have been contemplating on file ...
No need to appear so long as your case is filed before the examination.
Bottom line: have your case analyzed and get your legal representation in place quickly so that you are correctly advised on what to do... and supported through the entire process by an experienced lawyer and law firm.
Best of luckSee question
I owe the irs like 3000. I kno is not a lot but I have bad credit so I'm gonna file bankruptcy and I want to know if I could include the irs too
Essentially, your tax liability may only be discharged if meeting very specific legal criteria. Otherwise, your income tax liability will remain your obligation even once a bankruptcy case is filed and after a duscharge is received.
Your bankruptcy lawyer will be able to ask you the correct questions and gather the information to complete the analysis, then offering you a precise answer.
I wish you the best of luckSee question
I would like to know will attorney take care of proceedings I come to court process for the bankruptcy. Also I have a sale date on the home for November 2nd 2016
Great question. You must attend at least the 341(a) hearing/meeting of creditors which is typically scheduled 30-40 days from the filing date of your bankruptcy petition. Any lawyer you hire should also be there with you and prepare you prior to the hearing date. However, in most cases your attendance at the hearing is absolutely necessary and required by law.
A second hearing called a "confirmation hearing" sometimes requires attendance, as well. You should talk with your lawyer about how this will be handled.
Best of luck.See question
I work at a school. I make $800 a month, sometimes less because of summer break. I have 3 kids. I have a $265 car payment with $9k still to owe. I live with my mom and pay $500 month in rent. I have a little over $7k in credit card debt and $34k i...
Appears from your facts that student loan debt will not receive a discharge if you file chapter 7 bankruptcy.
Regardless, you may still have reason/ or need for filing for bankruptcy protection and relief. A consultation or two with experienced bankruptcy lawyers may help to give you the needed information to decide your best option going forward.See question
I saw a bankruptcy lawyer today and he told me that because I had $70K equity in my home, my tax refund may be taken away. Is this true? My wife and i received a $12K tax refund earlier this year, but it's all gone now. We used it for basic liv...
It might be a good idea to get a 2nd opinion (or 3rd opinion even...). There are a variety of factors involved when exempting assets, especially when evalusting values of Real Property and values of Estimated Income Tax Refunds. Also, if you are getting a high amont of tax refund then very likely you are over withholding and should consider adjusting your wage withholding exemptions.See question