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I have a balance of overt 2000 with palmer lady. I have been passing for the past 2 years, if I stop can I be charged
Kathryn's answer
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Answered on December 18, 2012
Agree question is unclear. However, generally speaking, not paying debt is not a crime. In order to be prosecuted for a crime something you do or...
Archived
Is it legal for someone to purchase a second at a trustee sale despite bankruptcy being claimed 4 hours prior to sale?
Kathryn's answer
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Answered on December 18, 2012
The debt you owe to someone can be purchased by a different party at any time, even while in bankruptcy. The new party steps into the shoes of the...
Archived
Due to hardship i cannot pay the minimum payments on my credit cards. my income is $730.00 monthly d.s.s.i owe $10.000 in credit
Kathryn's answer
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Answered on December 18, 2012
Discuss your situation with a bankruptcy attorney. If you have no assets creditors can take, you are considered judgment proof. Have the attorney...
Archived
In CH13, can we include a stripped of mortgage payment and arrears in Schedule J or the Means Test? Surrendering work the same?
Kathryn's answer
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Answered on December 18, 2012
You cannot claim expense for the mortgage you plan to strip on Means Test or Schedule J. You cannot claim mortgage on the property you plan to...
Archived
CA Real Estate: Pressure on short sales before 12/31/2012?
Kathryn's answer
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Answered on December 18, 2012
We're in limbo on this. Understand that the tax rules can be changed to apply retroactively to cover transactions in 2013.
Concerning a condo unit on the 2nd floor with hardwood floors,i live beneath,do i have rights concerning noise level ?
Kathryn's answer
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Answered on December 18, 2012
First thing I wonder is whether the HOA rules allow for hardwood floor on second floor. Sometimes they do, sometimes they don't. Sometimes HOA...
Archived
I have no way to pay back my debt. Am I a candidate for bankruptcy?
Kathryn's answer
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Answered on December 18, 2012
Do not put your head in the sand. Contact the loan servicer to arrange for payments. Depending on type of loan(s) you have you should be eligible...
Archived
Bankruptcy discharge without mailing a notice.
Kathryn's answer
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Answered on December 18, 2012
9th Circuit (which covers CA and I assume this is where the case was filed) follows White v Nielson (9th Cir 2004) 383 F3d922, which holds that...
Archived
Can I have a claim? I was forclosed in my home 2 years ago. It was dismiss with prejudice.
Kathryn's answer
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Answered on December 16, 2012
Your question is extremely difficult to decipher, hence I suspect a lack of response. If a foreclosure sale has occurred then you are no longer...
Archived
I get phone calls from portfolio recovery for a debt with capital one over seven yrs.they call 3 or 4 times aday.i have told
Kathryn's answer
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Answered on December 16, 2012
Under Fair Debt Collection Act you may send them a written request to cease and desist the telephone contacts. You may also retain an attorney to...
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