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We applied for loan modification to avoid foreclosure. Our loan is less than the market value of our home. Can we sell it?
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Answered on April 17, 2015
You can sell your home most likely without a short sale. However, you usually want to assume a 10% liquidation cost (agent fee, closing costs,...
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Bankruptcy
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Answered on April 11, 2015
You can include medical bills. Though keep in mind, Washington State has charity care laws and so depending on your financial situation you may be...
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I am being sued in county disrtict Court for a credit card debt. Can I ask for more time to hire a lawyer when I get to court?
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Answered on March 15, 2015
Getting extra time may be difficult. However, if you are imminently filing a bankruptcy you will just discharge any judgment that would come your...
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I received a bill from a local hospital for services they performed on my granddaughter.
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Answered on February 19, 2015
I see hospitals try this all the time as well as to avoid considering someone for charity care when they have the legal requirement to do so. You...
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I am looking to file bankruptcy and i need to find out what one is better for me to do chpt 7 or 13
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Answered on February 09, 2015
Most WA attorneys offer free consultations to discuss. Unfortunately, "it depends" is a pretty legitimate answer to your question as you have to...
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Can Mortgage company's collect unpaid fees and interest from a discharged Chapter 13 bankruptcy.
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Answered on February 08, 2015
Did the trustee or your attorney file a motion to deem current prior to discharge? You would have an argument if not but it will not be as easy. ...
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Are mortgage lenders required to provide the dates of missed payments?
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Answered on October 28, 2014
As already suggested, using a QWR is your best bet. However, you can also reverse engineer the payments by using the terms in the note and deed of...
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My lender needs court approval to complete the HAMP modification and my BK attorney says "I don't do that." What can I do?
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Answered on October 25, 2014
This requires a simple motion, most likely handled ex parte. Just a motion to approve loan mod. The previous answer was most likely correct...
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I just got served a Summons. A collections agency for old medical bills.
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Answered on October 08, 2014
You may want to request charity care if your finances are dire enough. It is an ongoing right to request this. You will still want to answer the...
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How long from first missed mortgage payment till i find my stuff in the street one day? "power of sale" is in the deed.
Edgar's answer
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Answered on September 24, 2014
Your question is simple but the answer is complicated. If your property has a large amount of equity, typically, the banks move faster to realize...