Archived
I filed a chapter 7 bankruptcy in 2007. Can I file again this soon?
Diane's answer
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Answered on February 18, 2013
You can do a Ch.13 if you qualify. You can't do another Ch.7 for 8 years. Good luck.
Archived
What's the difference between Ch. 7 & Ch. 13 bankruptcies? Can I sell or list a NYC co-op apartment while declaring bankruptcy?
Diane's answer
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Answered on February 18, 2013
Ch.7 wipes out your debt and is usually finished in about 3 months, IF it is a non-asset BK. Ch.13 lasts 3-5 years during which you make monthly...
Archived
My husband received a collection notice for a debt he had before we were married. He died November 19, 2012. Am I liable
Diane's answer
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Answered on February 18, 2013
No, you are not liable. Yes, send them a COPY of the death certificate.
Archived
How can my husband go about filing bankruptcy if he is in prison?
Diane's answer
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Answered on February 18, 2013
Yes, it is possible. I did it once. But, you cannot use a power of attorney. The court insists that he sign the BK petition. At the 341 hearing...
Archived
How to get back my overpayment of NYS taxes from Chapter 7 discharge ?
Diane's answer
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Answered on February 18, 2013
Discuss this issue with your bankruptcy attorney. Good luck.
Archived
We are looking for a very competent, affordable bankruptcy attorney in our area?
Diane's answer
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Answered on February 18, 2013
Reduce student loan interest rate in a Ch.7? Not likely
Archived
I want to file bankruptcy alone, and I am married. Can they take our land that is paid for and owned by both of us?
Diane's answer
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Answered on February 18, 2013
In a Ch.7 if you live on the land, you can use your homestead exemption to protect the property. If you don't live on the land you MAY be able to...
Archived
Is it to late after three an a half months to get a probate attorney ? an I have limited income so what do they charge ?
Diane's answer
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Answered on February 18, 2013
My, you are patient! It IS time to get a probate filed IF your mother owned any assets in her sole name at the time of her death. Did she have a...
Archived
Can a federal tax refund be used to pay a state tax balance after a bankruptcy is filed in a Chapter 7 bk?
Diane's answer
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Answered on February 18, 2013
In the District of Oregon the trustees do not take any money in your scenerio. If you get a $3000 IRS refund and owe $500 to State, the trustee...
Archived
I have a civil judgment against me . Will my tax return be intercepted ?
Diane's answer
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Answered on February 18, 2013
Nope! The judgment creditor cannot garnish your tax refund UNTIL it is in your bank account. That is, the IRS will not accept a garnishment writ....
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