Archived
Why/How does it affect me when a JDB indicates in Summons that the action is not subject to Civil Codes Section 2981 and 1801?
Manuel's answer
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Answered on October 15, 2012
Exemption of Section 2981 et Seq. , of the Civil Code of California indicates that you are being sued for unsecured debts and that there will not...
Archived
My ex girlfriend bought me furniture on her credit card as a gift. I paid the monthly fee for 18 months and was never late once.
Manuel's answer
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Answered on October 15, 2012
I think you should just pay the interest and be glad you do not have to deal with the Ex. Best of luck.
Archived
Chapter 7 question. If I was ordered to pay attorneys fees to my Ex.'s atty, can I discharge this in chapter 7? complications?
Manuel's answer
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Answered on October 15, 2012
Maybe, if the attorney fees were included in the Court Order, and this Order was for spousal or child support, it makes the debt a priority debt. ...
Archived
Bankruptcy discharge and no Affirmation agreement Signed.
Manuel's answer
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Answered on October 15, 2012
Due to your financial difficulties you are now unable to pay for your mortgage. Eventually, the bank will send you a Notice of Default and a day...
Archived
I am being sued for a car accident two years ago, but it is past the 2 year mark.
Manuel's answer
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Answered on October 15, 2012
They can sue you but you have defenses that you can raise. if you had insurance at the time of the accident, then the insurance company will...
Archived
Bought a used 2013 motorhome upside down in it can't afford it, what are my options.
Manuel's answer
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Answered on October 14, 2012
Ask the Dealer if he will take the Motor home back. If the purchase was recent and you gave a substantial down payment, he may do just that. If...
Archived
Bankruptcy by one person when two are on the loan
Manuel's answer
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Answered on October 14, 2012
You should consider a chapter 13 bankruptcy. It would allow you to making payments on your mobile home and get rid of your credit cards and other...
Archived
Vehicle securing 12K pers loan is not specified in promissory note & lien not reported to DMV,is it dischargeable in bankruptcy
Manuel's answer
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Answered on October 14, 2012
Normally, an unsecured debt due to financial difficulties is dischargeable at bankruptcy. However, in this fact pattern, the debtor breached the...
Archived
Can a collection agency continue to negatively report a collection account with a zero balance after a Ch 7 discharge?
Manuel's answer
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Answered on October 14, 2012
No it is not right. You have a right to a free start. Write to the three credit reporting agencies and inform them that the defamations of your...
Archived
Unrepossessed motor home with judgment discharged in bankruptcy, what happens to the title?
Manuel's answer
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Answered on October 14, 2012
After the bankruptcy, the bank has title to the motorhome. You have possession. You have the obligation to maintain the motor home in working...
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