Archived
My daughter and I bought a used car together we paid $1100 cash, she has a judgment against her for credit card debt?
Cindy's answer
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Answered on September 10, 2014
To the extent the state exemptions don't cover her half interest in the car, the chances that a creditor is going to pay an attorney to levy...
Archived
Need help with Adversary claim for Bankruptcy. Have gone through all the help desk services. unable to handle this for myself.
Cindy's answer
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Answered on September 09, 2014
There are many bankruptcy attorneys who can speak other languages, or have staff who can easily translate: have her speak to one of them. ...
Archived
Made a payment plan with credit card company to make payments for $100 a month, for the last two months they took an extra $200.
Cindy's answer
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Answered on September 09, 2014
As stated above, you should first look at your written agreement. You should make a demand to the company for a return of the extra payments,...
Archived
Can I be arrested for failure to pay back a payday loan even if I filed bankruptcy?
Cindy's answer
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Answered on September 09, 2014
Pay day loans have become an area for scammers. They call without proof of debt, threaten various legal action and try to get you to pay...
Pay Traffic Tickets in Ch 13 Plan
Cindy's answer
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Answered on September 09, 2014
You are correct, they do belong on schedule F, however -- as noted above-- it may be possible to treat them as "special" creditors if there is...
Archived
I am Self Employed trying to figure out my income for Chapter 7.
Cindy's answer
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Answered on September 04, 2014
If you are actually self employed: ie: you don't get paid from one employer as an independent contractor -- you need to look at all of your...
Archived
I have done some research, but probably gonna need a bankruptcy attorney.
Cindy's answer
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Answered on September 04, 2014
There are several facts any attorney would need to know to determine how many, if any of the judgement liens could be avoided. When the liens were...
Can I file for chapter 13 on my own and will I qualify?
Cindy's answer
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Answered on September 04, 2014
You appear to be aware that you can't file a chapter 7 for a few more years, but it is likely you would be able to file a chapter 13. The median...
Archived
If your car was declared totaled, what is best option in purchasing another car while in chp13 bankruptcy?
Cindy's answer
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Answered on September 03, 2014
I agree with other counsel, but looking at the issue step by step: First were you making payments through the plan on the vehicle? If so, you...
Archived
Property surrendered in Ch7 Bankruptcy - Who is responsible for the surrendered property after discharge?
Cindy's answer
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Answered on September 02, 2014
Stating your intent to surrender the property does not take it out of your name. You either need to deed the property in lieu of foreclosure to...
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