Archived
Can someone place a lien on my home property while I am in an active bankruptcy. My bankruptcy has recently been filed.
Cindy's answer
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Answered on January 19, 2016
Any lien filed after the filing of the bankruptcy is void. If the lien was fled before the bankruptcy, it is valid, but subject to various...
Archived
Chapter 7 DISCHARGE versus a Chapter 7 TERMINATION in relation to when OCWEN Loan Servicing can start the foreclosure process
Cindy's answer
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Answered on January 18, 2016
In most chapter 7 cases, discharge is followed closely by closing, so there is little difference. If for some reason the case remains open--yours...
If my Proof of Claim is denied during a Chapter 11 bankruptcy filing, can I still sue?
Cindy's answer
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Answered on January 07, 2016
In a chapter 11, if you're claim is disputed, you must file a claim within the period allowed. If an objection is filed to the entire claim and...
Is there exceptions to the 8 year wait for filing a second Chapter 7?
Cindy's answer
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Answered on January 03, 2016
No, you can't file for chapter 7 at this time, but yes, a chapter 13 may be possible IF you can afford to make plan payments. Meet with an...
Archived
Chapter 7 bankruptcy and non-discharable debt
Cindy's answer
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Answered on December 27, 2015
Criminal restitution is not dischargable, you are correct. Your husband's judgment is a civil judgment, and is not automatically not...
Archived
What do I need to include in a motion for sanction letter? Is it a short summary of violations or detailed including evidence?
Cindy's answer
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Answered on December 23, 2015
There is a difference between a letter advising a creditor that thou intend to seek sanctions and a motion for sanctions. Clearly you need...
Archived
Can I file a Ch 7 bankruptcy under these circumstances? If not, what direction should I head in? Thank you in advance.
Cindy's answer
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Answered on December 23, 2015
I'm not sure who told you you income prevents you from filing a chapter 7. While your income is a factor in qualifying, your expenses and many...
Archived
How do I file chapter 7 no assets against a tax lein on my credit report
Cindy's answer
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Answered on December 19, 2015
When you file you list all debts, not just your taxes. Whether your taxes can be discharged is going to depend on a number of factors, some of...
Archived
The AP creditor won't reply to schedule our mandatory mediation, deadline was last Oct. Can I get his case dismissed?
Cindy's answer
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Answered on December 13, 2015
You don't say what the adversary is for, so your question is missing important information that makes an answer difficult without guessing what...
Archived
Why is the trustee trying to sell my home when there is no one to pay?
Cindy's answer
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Answered on December 08, 2015
The creditors are sent the notice to file claims and are given substantial time to file those claims. The discharge affects only your personal...
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