Archived
In San Diego, do you have a choice as to how you can make your chapter 13 payment, directly to trustee or by payroll deduction?
Asaph's answer
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Answered on January 14, 2013
Yes, there's a choice. I echo Mr. Starrett's response: a wage deduction by the San Diego chapter 13 bankruptcy trustee must by requested by the...
Archived
My first mortage balance is 59000.00 my second is 19000.00 can i bankrupt the 2nd one with Beneficial and still keep the house?
Asaph's answer
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Answered on January 14, 2013
Chapter 13 bankruptcy permits the bankruptcy debtor to avoid a junior lien; it's dubbed a lien strip (which is NOT a New York steak low on fat; it...
Archived
If someone sued me in small claims, but I have no assets or cash. Can they take my car?
Asaph's answer
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Answered on January 14, 2013
"Asset" is a broadly-defined bankruptcy term of art. In any event, exemptions from enforcement of judgment offer limited protection; they won't...
Archived
My wife and I make $6300 a month and have $8400 a month going out, can we file chpt 7 and keep our house.
Asaph's answer
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Answered on January 10, 2013
Depending on the reasonableness of the $8,400, your expenses may "properly" offset your income and permit you to "pass" the chapter 7 bankruptcy...
Archived
One filed BK7 last year. Now she is threatening BK13. Isn't there a time concern? Doesn't she have to wait 4 years?
Asaph's answer
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Answered on January 10, 2013
■If you previously received a discharge from a Chapter 7 Bankruptcy filed within the last 4 years, then you can file a chapter 13 without delay,...
Archived
Can I drop out of chapter 13 and go with A debt management
Asaph's answer
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Answered on January 10, 2013
A chapter 13 bankruptcy can be voluntarily dismissed by the chapter 13 debtor. Bankruptcy dismissal entails loss of bankruptcy court protection;...
Archived
I want to file Bankruptcy . I also want to start my own Landscape business this year. Will it affect my business ?
Asaph's answer
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Answered on January 10, 2013
Bankruptcy Schedule I provides for disclosure of anticipated post-petition (after bankruptcy filing) changes in income-- which may affect the...
Archived
Can I add a bill after submitting the petition for Chapter 7 in FL? Hospital already in my creditors but h. visit after petition
Asaph's answer
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Answered on January 10, 2013
Pre-petition (before chapter 7 bankruptcy filing) debts (debts incurred or arisen prior to the chapter 7 bankruptcy filing) are subject to...
Archived
What does Chapter 7 bankruptcy mean?
Asaph's answer
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Answered on January 09, 2013
What’s the difference between the consumer bankruptcy debtor's popular options (Chapter 7 and Chapter 13 Bankruptcy)?
■Chapter 7 Bankruptcy is...
Archived
If i filed a Chapter 7 four years ago am i eligible to file a chapter 13?
Asaph's answer
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Answered on January 09, 2013
You can file a chapter 13 bankruptcy (in order to get a discharge or cancellation of unpaid-for debt) four (4) years after the filing date of a...
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