Archived
My confirmation hearing for Chapter 13 bankruptcy is coming up next month. Do I have to attend the hearing or can I just not go?
Ted's answer
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Answered on August 23, 2012
In Oregon if no one including the trustee has objected you do not need to attend. Also if you have an attorney the only time you need to attend is...
Archived
Can I file Chapter 7 bankruptcy in one state with a judgement against me for a creditor in another state?
Ted's answer
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Answered on August 16, 2012
The short answer is yes. If you obtain a discharge in your chapter 7 it is good in all 50 States. There could be a number of other issues so you...
Archived
If a person is unemployed and has 0 income, can he qualify to file for bankruptcy?
Ted's answer
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Answered on August 16, 2012
You could qualify for a chapter 7 but you really should not be in a hurry to file since you are judgment proof ( no one could collect anything from...
Archived
Can we do a bankruptcy to eliminate our debt on our 2007 Class A motorhome only?
Ted's answer
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Answered on August 14, 2012
You may be able to file a bankrupty to surrender the motor home and discharge the debt. If there is a balance on the credit cards you will have to...
Archived
How much do you legally have to pay monthly on unsecured credit cards when you cannot pay the minimum due charge?
Ted's answer
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Answered on August 14, 2012
If you do not pay the minimum required by the card company they will be able to sue you for breach of the credit agreement. You should talk to a...
Archived
Do I need to pay my 2nd on my house
Ted's answer
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Answered on August 13, 2012
You are no longer liable for the debt. The 2nd does remain a lien on the property, so if you ever sell the property they could require that you...
Archived
Can initial payments in a Chapter 13 plan be lower if trying to modify mortgage?
Ted's answer
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Answered on August 08, 2012
Yes you could have a lower initial payment. If the bank is uncooperative they may move for relief from stay if you are not making the current...
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Archived
I am the primary on two loans. My mother is the co signer. She is filing chapter 13. Will this affect my credit score?
Ted's answer
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Answered on August 08, 2012
If you are the primary and you are current on the loan, your mothers chapter 13 should not affect your credit. If it were to show up on your...
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Archived
Can I include a debt from a home I was renting into a chap 13 in the end after our payment plan is done?
Ted's answer
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Answered on August 07, 2012
If they are worried that you will discharge debt from the rental as part of the chapter 13 you are correct. Debt incurred durring the 13 will not...
Archived
Would I be able to quit claim my home to my fiance to avoid a property lien due to a Credit Card judgement?
Ted's answer
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Answered on July 31, 2012
You should talk to a bankruptcy attorney immediatly. You are able to file a chapter 7 , 8 years after the prior case was filed. You would be able...
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