Francis Xavier Ruggier

Francis Xavier Ruggier's Answers (15)

Mission Hills, CA

Chapter 7 bankruptcy Lawyer at Mission Hills, CA

Practice Areas: Chapter 7 Bankruptcy, Chapter 13 Bankruptcy ... +3 more

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In ch 13 bankruptcy, I want to get rid of my 2nd mortgage. Can I rent it out to somebody to get over the restriction on homes?

Francis's answer | Answered on November 13, 2014

It appears that you may be confusing two entirely separate things: First, valuing your real property and avoiding a junior lien (like a 2nd...

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Can bankruptcy trustee withhold inheritance to repay student loans although student loans cannot be discharged?

Francis's answer | Answered on October 26, 2014

If the inheritence is property of your bankruptcy estate, then the Trustee has a duty to liquidate and use the funds that have allowed claims. If...

Archived

Collection agency re-aging a debt on credit report, is this illegal?

Francis's answer | Answered on October 26, 2014

I believe that they are NOT allowed to re-age the account and doing so would be a violation of the Fair Credit Report Act (FCRA). This is federal...

Archived

Filing chapter 7 on my LLC. How is this different than a personal filing? What will I need to provide personally?

Francis's answer | Answered on October 22, 2014

Yes, there are many differences and things to consider. As many have said, the LLC does not receive a discharge of the debt and does not get to...

Archived

Bankruptcy Mailing Matrix: Should I notify my employer about my bankruptcy since they are garnishing my paycheck?

Francis's answer | Answered on October 22, 2014

No, do not include your employer on the mailing matrix as they would then receive all correspondence in your bankruptcy case. But you do need to...

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