John Addison Vos's Answers (829)

Archived

Can my home re-enter forcclosure if my case was dismissed, cancelled, dismissed and cancelled again?

John's answer | Answered on January 28, 2012

If you owe, then can foreclose. If the paperwork is bolloxed-up, which sometimes it is, they may try to foreclose. If you want, you can fight them....

Archived

Am I still liable for the balance of the mobile/manufactured home balance on a foreclosure in the state of California?

John's answer | Answered on January 28, 2012

I agree with Attorney Chen.

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How can I protect myself from a client that I'm sure is going to file for bankruptcy? I'm an engineer and he's an architect.

John's answer | Answered on January 28, 2012

As usual, Attorney Dan Press gives excellent advice. I concur.

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Time share as unsecured credit

John's answer | Answered on January 28, 2012

Because you still owe it. Atty Walton is correct. The loan is secured by the asset, The asset and loan can go on Schedule D. If it is only...

Archived

What to do if fraud is presented in Bankruptcy Court?

John's answer | Answered on January 28, 2012

Same answer as to your other recent post.

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Statute of limitation for credit card debt and cancellation of debt (COD)

John's answer | Answered on January 28, 2012

Agree with Atty Walton. File the form 982. AFAIK there is no statute specifically as to limitations, and the 1099c is required to be sent by IRS...

Archived

Where to place the time share on the plan

John's answer | Answered on January 28, 2012

Each local court has a different form "plan", so I agree with my colleagues there. Chapter 13 is complicated. Perhaps an experienced attorney...

Archived

How can I get a credit card with my 500 credit score?

John's answer | Answered on January 28, 2012

My colleagues are correct. Avoid the "pay us fees" credit card offers. Get a secured credit card (similar to debt card) where you in effect have...

Archived

Can a mortgage compny provide details to a spouse without them being on the loan or authorized to discuss?

John's answer | Answered on January 28, 2012

Coming to the house to find out whether it is occupied, etc is legal. Discuss the details of your account with a stranger is not.

Archived

Complaint to Determine Dischargeability

John's answer | Answered on January 28, 2012

I agree with my two colleagues. But if it has been ten years and you are broke, is this creditor even still bothering you? Can you afford now to...

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