Archived
I filed for bankruptcy in Oct. 7th 2005 and got the charged off notice in January 2006. Can I file for bankruptcy again??
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Answered on October 16, 2012
If you can propose a feasible Chapter 13 Plan in good faith (i.e., you can show some disposable income after necessary living expenses to put into...
Archived
Can a foreign national with a primary residence outside usa can file for bankcrupcy in califormia ???
Jon's answer
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Answered on October 16, 2012
One must live in California for the majority of the last 180 days (i.e. 91 days) in order to qualify to file a bankruptcy petition in California...
Archived
If the Trustee withdraws their report of "no asset" AFTER the discharge, are they still "serving" under code 521(a)(3)
Jon's answer
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Answered on August 31, 2012
The worst part is that if there was property that was concealed from the trustee, then he or she can move to have the discharge revoked under...
Archived
I got a judgement against me in court for a credit card a few weeks ago. I just got a notice that my house was siezed.
Jon's answer
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Answered on August 26, 2012
As my colleagues have noted, a lien is not the same thing as a "seizure." Depending on your state's homestead exemption, you may be able to avoid...
Archived
I BARROWED 500.00 DOLLARS ON MY CAR TITLE TO A FRIEND THAT I KNOW. I PROMISSED TO REPAY HIM 700.00 BACK WITHIN 30DAYS.
Jon's answer
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Answered on August 26, 2012
I can't address Georgia law on this subject, but in California that interest rate charged by a private party would violate our usury laws. Georgia...
Archived
How many alternative addresses for creditors can you list on a chapter 7 Bankruptcy?
Jon's answer
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Answered on August 26, 2012
Start with your credit report. List every single creditor who has reported you to the three Credit Reporting Agencies (CRAs). Then, if you have...
What happens if I am sued for more money than I have and lose?
Jon's answer
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Answered on August 24, 2012
No, you will not go to jail because of a civil judgment against you. However, as my other colleagues have pointed out, once a creditor obtains a...
Archived
I live in Sacramento, CA and am contemplating filing for a Chapter 13 bankruptcy.
Jon's answer
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Answered on August 21, 2012
In the Bay Area, the Chapter 13 Trustees expect you to pay your ordinary monthly mortgage payment outside of the Chapter 13 Plan. Your disposable...
Archived
How do I stop from getting a default judgement against ?
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Answered on August 18, 2012
You need to consult with an experienced litigation attorney who does consumer cases immediately about setting aside the judgment. Whether service...
Can a co-signer on a student loan apply for disability discharge? Can a student loan be sent to a debt collection agency?
Jon's answer
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Answered on August 18, 2012
There are many issues here, including identity fraud. I'll leave the latter for a more knowledgeable colleague. Social security income is not...
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