Archived
How do I calculate the Chapter 13 means test? Can I file for a Chapter 13 specifically or do the courts make the determination?
Malcolm's answer
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Answered on February 09, 2013
You can always file a Chapter 13 bankruptcy, but whether you could get your payment plan confirmed (approved) by the court depends on a number of...
Archived
Accounts receivables income and Title 15, 1673
Malcolm's answer
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Answered on February 09, 2013
You didn't say if you were an employee of the entity that owes you the money, but assuming that you weren't then the amount owed you isn't "wages"....
If I file chapter 7 bankruptcy separate from my wife, can her engagement ring be taken to pay the debts?
Malcolm's answer
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Answered on February 08, 2013
From what you described, I'd say the ring is your wife's separate property since you gave it to her before you two were married. Therefore the ring...
Archived
I'm looking to file a chapter 7 so that I can be debt free.. Are there any cheap Bankruptcy Lawyers. I'm in Hayward Ca
Malcolm's answer
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Answered on February 04, 2013
If you had a serious medical problem, would you be asking if there were any cheap doctors? Why do you think bankruptcy or any serious legal issue...
Second thoughts on reaffirming my car loan. Should I or shouldn't I???
Malcolm's answer
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Answered on February 02, 2013
In general in this court district, an auto lender can repo your car after a bankruptcy, even if you're current on payments, if you don't sign a...
Archived
Can a current PhD student get bankruptcy relief from PRIVATE student loans and credit card debt while in school?
Malcolm's answer
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Answered on January 31, 2013
The first answer by Lisa Jane Espada is very good one. You could get rid of your credit card debt through bankruptcy, but not your student loan...
Archived
Can I file bankruptcy if a MSJ was issued for a credit card lawsuit?
Malcolm's answer
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Answered on January 30, 2013
The debt resulting from the court judgment could be discharged in a bankruptcy unless it's a particular type that can't be discharged. I recommend...
Can I file bankruptcy after a judgement has been issued and if so can the judgement be discharged?
Malcolm's answer
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Answered on January 30, 2013
Attorney Scott Riddle gave you a good answer, to which I'll add that whether bankruptcy itself makes sense for you depends on many other facts in...
Archived
If my nonconsumer debt is more than 51% of my total loans, I can file for chapter 7?
Malcolm's answer
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Answered on January 29, 2013
Attorney Brian Whitaker gave a very good answer. What disposable income means for this purpose is your monthly net income (after taxes and...
Archived
How do I respond to a mortgage company that is still seeking payment of the loan after I received my Chapter 7 discharge?
Malcolm's answer
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Answered on January 26, 2013
Your bankruptcy discharge of debts discharged your personal responsibility for that loan, but not the lien (property interest) in your house. If...
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