I'm 24 had a 2015 accord that I financed new a year ago. It has 11k miles now and was repossessed the other night. I've set a consultation with a local bankruptcy and debt lawyer for Monday. I have a general idea of how a bank can be made to retur...
You should discuss Chapter 13 with the attorney, but Chapter 7 won't help you get the car back. While your circumstances are unfortunate, those are not factors the judge can consider. You might have rights under state law as well.See question
I wanna start fresh and need to file for bankruptcy. I've made bad decisions in my life but now I need to move forward with out all these depths over my head! I feel filing for bankruptcy is my only option please advise me on what to do to better ...
You need to consult a local bankruptcy attorney for that. Use the attorney finder service for the National Association of Consumer Bankruptcy Attorneys: http://www.nacba.org/find-an-attorney/See question
I am going through bankruptcy.
Your question doesn't make any sense. What examiners are you talking about?See question
Paperwork was not given to me but was given to my husband at my house. Last time I paid on the account was 2 years ago. The only information or evidence was a payment stub from 2 years ago stapled to the summons. I do remember opening this account...
If you ignore the lawsuit, they will most likely get a judgment against you. With a judgment, they could put a lien on your house, garnish your wages or levy your bank accounts. if you contact a local attorney for assistance, it might be possible to settle. If you have other debts, it might be worth your time to consider bankruptcy.See question
So I pay my bankruptcy every month 384 and I pay the collection agency my current dues of 270 per month every month but the problem that I have is that the collection agency Has been charging me late fees or any type of fees since the beginning ...
When you filed the bankruptcy, the HOA should have split your accounting into a pre and post-bankruptcy account. All of the pre-bankruptcy dues, late fees and other charges should have been added to the proof of claim. Payments from the Chapter 13 trustee should be applied to that portion of the debt.
You should have resumed paying the HOA dues after you filed. If you have made all post-bankruptcy HOA payments on time, there shouldn't be any late fees. if there are, talk to your attorney about filing legal action in the bankruptcy court to address this issue.See question
I purchased an HOA lien foreclosure home on the auction website The mortgage is up-to-date can I assume the mortgage and have it put into my name
It is highly unlikely that the lender would be willing to do this and I'm not aware of any law that would give you the right to demand it. You will probably need to refinance with your own lender. Beware that the original loan might have a "due on sale" clause triggered by the foreclosure. You should see a real estate attorney ASAP to discuss your options.See question
I have a leased car that I am listed as the co signer for. My sister is the main borrower. It is my car that I use. I am looking to file chp 13 bankruptcy and give the car back. Does my sister have an obligation to pay the remaining lease payments...
I agree with Mr. Riddle's response, but I would add that your sister is protected by the co-debtor say under Section 1301 (applicable in Chapter 13 cases). I agree with his suggestion to talke to your sister. She might want to take over the payments to avoid damage to her credit or pursue other options.See question
My bank accounts were garnished by a creditor on 08/23/16. I filed for a garnishment objection and chapter 7 on 09/02/16. Objection was denied on 09/21/16 and money was given to the creditor.I thought all debt collections was suppose to stop after...
You need to see a local bankruptcy attorney about this. Some courts have ruled that the garnishment creates a judgment lien on the money in the account and thus requires you to file a motion under Section 522(f) to avoid the lien. Failure to do so could result in the money be turned over to the creditor,
Also, as another attorney suggested, it might be a voidable preference. In either case, you need to take the proper action in the bankruptcy court to get the money bank. This is more complicated that you seem to think it is.See question
Lost my job for almost a year and now I'm behind and struggling with debt.
You have the option of filing for a Chapter 13 payment plan now, but you won't be eligible for a discharge in a Chapter 7 until 8 years have passed from the filing date of your prior bankruptcy.See question