Questions answered by Ted A Troutman

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I filed for chapter 13 bankruptcy my self. Only the first three pages. Now the rest of it is very hard to fill out .

Ted's answer | Answered on May 21, 2012

It is doubtful that the court will give you another 30 days to find an attorney.You should be able to find an attorney that will take your case but...

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For discovery of disputed mortgage claim documents which motion is better/easier for the petitioner to submit the court?

Ted's answer | Answered on May 21, 2012

Since you have objected to the proof of claim it is a disputed matter and the regular discovery rules should apply. If you do a request for...

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Can you add school loans or court fines to bankruptcy?

Ted's answer | Answered on May 18, 2012

If you file for chapter 7 bankruptcy it will not discharge school loans or court fines. It will stop garnishments. If you file for chapter 13 it...

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Chapter 13 Automatic Stay

Ted's answer | Answered on May 17, 2012

If the case has been filed the automatic stay is in place( unless this is your third case in the last 12 months). If the case has been filed there...

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Is chapter 13 a good choice when not able to rent 2nd property own and short sale is not happening?

Ted's answer | Answered on May 16, 2012

You need to talk to a bankruptcy attorney in your area. A chapter 13 is not always 5 years. If you are below median income it can be for 3 years....

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Thanks so much for your quick response. This Chapter 7 documents do not included the mortgage, does this answer still apply?

Ted's answer | Answered on May 16, 2012

Yes . If the mortgage company had notice of the bankruptcy the aswer would be the same even if they were not listed in the schedules. In my...

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If a borrower doesn't include their mortgage in the BK 7, why do they stop reporting the payments to the credit bureaus?

Ted's answer | Answered on May 16, 2012

The secured debt of the mortgage has to be listed in the bankruptcy. Unless the mortgage is reaffirmed the credit reporting agencies do not report...

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What arguments can be raised to object to a Motion for Relief of Stay filed by a mortgage lienholder?

Ted's answer | Answered on May 16, 2012

As long as you are paying the ongoing mortgage payments and paying the arrears through the plan, you should be able to stop the relief from stay...

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I am disabled and need to file a simple no asset bankruptcy. Do I need a lawyer, or is their a low cost assistance for disabled?

Ted's answer | Answered on May 15, 2012

In Portland Oregon, Legal Aid puts on a bankrupcty clinic where local attorneys volunteer their time. Each attorney that volunteers agrees to...

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Chapter 13 Thanks

Ted's answer | Answered on May 14, 2012

Your attorney is correct that you have 14 days to submitt the rest of the forms to the court. He is aslo correct that generally the creditor...

Ted A Troutman's Answers (207)

I filed for chapter 13 bankruptcy my self. Only the first three pages. Now the rest of it is very hard to fill out .

For discovery of disputed mortgage claim documents which motion is better/easier for the petitioner to submit the court?

Can you add school loans or court fines to bankruptcy?

Chapter 13 Automatic Stay

Is chapter 13 a good choice when not able to rent 2nd property own and short sale is not happening?

Thanks so much for your quick response. This Chapter 7 documents do not included the mortgage, does this answer still apply?

If a borrower doesn't include their mortgage in the BK 7, why do they stop reporting the payments to the credit bureaus?

What arguments can be raised to object to a Motion for Relief of Stay filed by a mortgage lienholder?

I am disabled and need to file a simple no asset bankruptcy. Do I need a lawyer, or is their a low cost assistance for disabled?

Chapter 13 Thanks