Archived
Can lenders in Calif. foreclose on my house if I file Chapter 7 BK, do not reaffirm my 2 mortgages but keep payments current?
Brian's answer
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Answered on July 21, 2013
They can not foreclose if you are current, regardless of the fact that you discharged your personal liability on the debt.
They will not foreclose...
Archived
May file 3rd Bankruptcy unemployed & broke, received collection letter for Merrick Bank credit card from Phillips & Cohen Assoc.
Brian's answer
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Answered on July 21, 2013
When did you file your 2nd bankruptcy? Did you receive a discharge? How much do you owe the "other credit cards"?
They can sue you ... and...
Archived
What can be done when a CH 13 trustee paid held mortgage money to unsecured creditors?
Brian's answer
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Answered on July 21, 2013
Maybe your attorney should have filed a 360-day hold ... or renewed the 180-day hold.
It's unclear exactly when the 180-day hold began (perhaps it...
Archived
My mortgage was discharged during a BK7, but I've continued making payments. Could I get a HELOC?
Brian's answer
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Answered on July 21, 2013
You could.
As my colleague suggested ... it doesn't hurt to ask.
Archived
Do u /should u stop paying bills (credit cards, medical bills, and mortgages that r current) before bankruptcy?
Brian's answer
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Answered on July 21, 2013
Since you've asked this before, I will repeat what I said before (mostly):
Yes, you should file Ch13 before the sale date and arrange to strip the...
Archived
I am 2 yrs into my chpt. 13 plan. I fell behind in my condo fees. Got letter to pay $4k in 30 days. Is payment plan an option?
Brian's answer
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Answered on July 20, 2013
If you are now "making great money" it would be best not to get the court (and the Trustee) further involved in your case. The HOA is a long way...
Archived
Trustee sale end of July 2013... bankruptcy 7 discharged June 2012. Just rec'd from servicing agent letter that we should buy
Brian's answer
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Answered on July 19, 2013
If the Trustee's sale goes through ... that's it - they cannot pursue any deficiency.
Archived
Is she still responsible for and part of the owed taxes?
Brian's answer
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Answered on July 19, 2013
What sort of taxes are you referring to? Counties don't usually "sue" for unpaid taxes ... they just sell the property to the State.
Archived
I had a car taken , police claimed I stole my own vehicle. I have bond title and now ive filed chp.13. Can I get car back?
Brian's answer
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Answered on July 19, 2013
There is no way for us to know whether you have any rights to the car or not. Who do the police think is the real owner? Was any money owed on...
Archived
I file a chapter 13 years ago. It it now closed. All my student loans are paid. However 1 insist i owe them monies. What do i do
Brian's answer
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Answered on July 19, 2013
Your problem, here, is that student loans are not dischargeable; and if you owed the demanding creditor when your case was filed and they did not...
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