Questions answered by Malcolm Ruthven

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I'm planning to file Chapter 7 bankruptcy. I have tax debt which meets the requirements for discharging.

Malcolm's answer | Answered on January 19, 2015

You've received several very good answers. I'll add what some of the others said, which is you should definitely retain an experienced bankruptcy...

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Need to file bankruptcy and have question about real property

Malcolm's answer | Answered on January 07, 2015

If you and your wife own the house as tenants in common, then you each own 1/2 of the house as your separate property so only your half would be...

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I have a corporation and I need to file for bankruptcy

Malcolm's answer | Answered on December 29, 2014

You've received several very good answers. I'll add that you should (1) worry less about your credit score and More about getting rid of your debts...

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Question about chapter 13 bankruptcy and homestead exemotion??

Malcolm's answer | Answered on December 15, 2014

The answer to your question is "probably", because the California code for that exemption (CCP 704.730(a)(2)) is not at simple as most people...

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Would it be better for my husband to file chapter 13 on his sole proprietor business or for us to pay it from a home equity?

Malcolm's answer | Answered on December 14, 2014

The answer to your question depends on many factors not able to be considered in this online forum, such as factors that go into determining how...

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Should i list credit accounts that haven't had an outstanding balance for years prior to separation and still don't on PDD?

Malcolm's answer | Answered on December 10, 2014

You're received three very good answers. I'll add that there;s no way to know if Sleep Train will cancel your account. Do what you need to do,...

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What to do next after first meeting of creditors is done?

Malcolm's answer | Answered on December 04, 2014

Nothing to do but wait (and of course take the financial education course and file the certificate, which most of those companies now will do for...

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Is chapter 13 bankruptcy an option? Bank account frozen!!! (Recently posted same question regarding ch 7)

Malcolm's answer | Answered on November 28, 2014

The be very blunt, time may be short so don't spend it here where you can necessarily get only general answers. Consult with an experienced...

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Is chapter 7 bankruptcy an option? Bank account frozen!!!

Malcolm's answer | Answered on November 24, 2014

You're received several good answers. I'll emphasize that you need to consult with and retain an experienced bankruptcy attorney in your area,...

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1-Can anyone file for chapter 7 bankruptcy? 2- and what is a reasonable fee for a lawyer and whats the total estimate cost

Malcolm's answer | Answered on November 19, 2014

You've received several very good answers. I'll add that you should consult with an experienced bankruptcy attorney in your area, sooner rather...

Malcolm Ruthven's Answers (817)

I'm planning to file Chapter 7 bankruptcy. I have tax debt which meets the requirements for discharging.

Need to file bankruptcy and have question about real property

I have a corporation and I need to file for bankruptcy

Question about chapter 13 bankruptcy and homestead exemotion??

Would it be better for my husband to file chapter 13 on his sole proprietor business or for us to pay it from a home equity?

Should i list credit accounts that haven't had an outstanding balance for years prior to separation and still don't on PDD?

What to do next after first meeting of creditors is done?

Is chapter 13 bankruptcy an option? Bank account frozen!!! (Recently posted same question regarding ch 7)

Is chapter 7 bankruptcy an option? Bank account frozen!!!

1-Can anyone file for chapter 7 bankruptcy? 2- and what is a reasonable fee for a lawyer and whats the total estimate cost