Questions answered by Stanley Duane Lockhart

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What collection costs and foreclosure attorneys fees will be added to the Reinstatement Quote for a home mortgage?

Stanley's answer | Answered on October 23, 2009

No money??? reasonable fees....is what your Note and Deed of Trust read.....my guess. $1500-$2500-$4000 would be my guess also. Yes, if you...

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At the 341 hearing for chap. 13 do I have to bring all of my monthly plan money and money for my mortgage payment?

Stanley's answer | Answered on October 23, 2009

The minute you filed BK you can kiss the loan mod ....'good-bye' There are provisions in HAMP that make any and all modification on the part of...

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Can my mortgage or second mortgage company come after me for money after my chapter 13 is settled and how long do they have to m

Stanley's answer | Answered on October 23, 2009

The lender/servicer does not need to make a claim in BK. You listed the debt on your schedule, right? Have they obtained BK permission to sell...

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Filed for chapter 13 5/2002 dismissed 12/2005 how long do creditors have to collect?

Stanley's answer | Answered on October 23, 2009

No one is responding because of the confusing language and misuse of some very technical terms. General Rule is that BK stops all collection...

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Is a note still accelerated if a Chapter 13 filing gets dismissed due to non payment to trustee?

Stanley's answer | Answered on October 23, 2009

You say you had started the foreclosure process 3 times in the past. Did you cancel the foreclosure in the past but not this time....this time you...

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If I dismiss chapter 13 before it goes to court or before payment is it still on my credit/ what strings are attached?

Stanley's answer | Answered on October 23, 2009

It is the filing of C13 that makes it a public record; can not be undone for credit purposes once filed. You have an absolute right to convert to...

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If I file for a dismissal of a chapter 13, will my credit show that I ever filed for bankruptcy?

Stanley's answer | Answered on October 20, 2009

Dismissal is different than discharge. Be careful, you are almost home. If you complete the PLAN you will get a discharge of all remaining...

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Chapter 7 means test form B22A Do I claim Unemployment compensation claimed to be a benefit under the Social Security Act?

Stanley's answer | Answered on October 16, 2009

http://www.usdoj.gov/ust/eo/bapcpa/docs/Disposable_Income_Ch13_UST_Policies.pdf PER USTP 'unemployment compensation' is not a social security...

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I rent appx 3/4 acres to a freind she has now filed chapter 7, claiming to rent 10 acres. What do I need to do?

Stanley's answer | Answered on October 16, 2009

Charge her for 10 acres and bill her or evict her or have her affirm the 3/4 acres agreement. If you do not get the 10 acres straighten out...

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My bankruptcy chapter 7 been discharge and i filed my car as exempt and it was included in that chapter 7, and someone is callin

Stanley's answer | Answered on October 16, 2009

They may have violated about 3-4 state and Federal laws each with statutory damages of $1-2K each and possibly a violation of the BK's order of...

Stanley Duane Lockhart's Answers (392)

What collection costs and foreclosure attorneys fees will be added to the Reinstatement Quote for a home mortgage?

At the 341 hearing for chap. 13 do I have to bring all of my monthly plan money and money for my mortgage payment?

Can my mortgage or second mortgage company come after me for money after my chapter 13 is settled and how long do they have to m

Filed for chapter 13 5/2002 dismissed 12/2005 how long do creditors have to collect?

Is a note still accelerated if a Chapter 13 filing gets dismissed due to non payment to trustee?

If I dismiss chapter 13 before it goes to court or before payment is it still on my credit/ what strings are attached?

If I file for a dismissal of a chapter 13, will my credit show that I ever filed for bankruptcy?

Chapter 7 means test form B22A Do I claim Unemployment compensation claimed to be a benefit under the Social Security Act?

I rent appx 3/4 acres to a freind she has now filed chapter 7, claiming to rent 10 acres. What do I need to do?

My bankruptcy chapter 7 been discharge and i filed my car as exempt and it was included in that chapter 7, and someone is callin