Archived
Do I have to file on all credit cards? Do my husband and I have to file jointly or can I file on my cards even if joint
Neil's answer
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Answered on May 13, 2016
I usually recommend that married couples file together for the following reasons:
1. It doesn't affect the fees.
2. You must list all income,...
Archived
How is is it to collect back due rent?
Neil's answer
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Answered on May 13, 2016
You can always sue, but the real problem is collecting. You will pay an attorney to handle all of that and if she is able to avoid collection or...
Can I reinstate my license after I file for Chapter 7 bankruptcy or after I receive the discharge?
Neil's answer
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Answered on May 13, 2016
Filing bankruptcy will allow you to recover your license. I would make sure that you use an attorney for this. You can handle it on your own, but...
My mortgage loan was not reaffirmed in a chapter 7. The mortgage co states discharged in bk. Can they foreclose if I don't pay?
Neil's answer
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Answered on April 20, 2016
This is a common question I get in my office. Most often its several years after a bankruptcy when a client is upset and tells me they "didnt...
Archived
If our parents end up in debt or claiming bankruptcy, would our personal assets be at risk?
Neil's answer
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Answered on April 20, 2016
Provided you did not co-sign nor own any property with them you have no connection to their debts. If they were to die with debt the debts would be...
Can I reaffirm a riding lawn mower in chapter 7 if it is technically a charge card? and will it count on the means test?
Neil's answer
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Answered on April 20, 2016
Its a tough one due to the timing of your transaction. I never recommend that my clients reaffirm if the creditor does not make them do so. In the...
Chapter 7. If trustee goes after a relative that I gave money to (as a fraudulent transfer) can my relative sue me after?
Neil's answer
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Answered on April 20, 2016
If you have been honest about everything there will be no trouble with the trustee. I agree with my colleagues that you should amend to add this...
Archived
What should I do to get these debts settled fast/cheap? should I file for bankruptcy, or try to settle? Any other advice too plz
Neil's answer
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Answered on April 19, 2016
You can (and should) file a bankruptcy. I cant speak for how others evaluate pro bono cases but as for me I evaluate based upon the amount of time...
Archived
How is it legal to be garnished for x-husbands bills when divorce degree states other wise ?
Neil's answer
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Answered on April 19, 2016
The divorce is between you and your husband. The duty for your husband to pay does not affect the creditor. They have an obligation from both of...
Archived
Bankruptcy, debt consolidation. .. What's best?
Neil's answer
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Answered on March 21, 2016
If you qualify for bankruptcy and will not be forced to forfeit assets its typically your best bet for the following reasons...1. your savings are...
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