I never wanted to file at the time I was just looking for answers But they filed with out my knowledge at the time. But it has been 8 years now around July 2008. they said I have to August 2018. But is their any way i can remove it sooner off my...
I agree that a bankruptcy petition cannot properly be filed without your knowledge. However I have had one other instance where that was true. If the case was filed under your name with no signatures from you, then you should open up a case with the 3 credit reporting agencies, and contest the item on your credit. Note that you did not sign the petition and it was filed under your name and social security number but you never authorized the law firm to file it.See question
Ever since my loans were transferred or assigned to Navient after it was split off from Sallie Mae I have been billed late fees on my student loans which due to my Income-Based Repayment Plan my payment is $0 per month. I really can't afford these...
You could, you would need to find a lawyer and the possible expense might be high - too high to warrant a lawsuit. Whether you are looking at small claims court or a legitimate lawsuit would depend on the "amount in controversy" in Alabama. In Washington if the suit is for less than $5,000; then the case has to go through small claims. If its more, or you are seeking equitable relief, then you can sue in another court.
But make sure you have proof that the late fees came after there was already a $0 balance. My advise is to visit a lawyer who has done cases like this to get his viewpoint in person.See question
I am suing my landlord for conversion - keeping my security deposit after my demanding it back. If I were to hire a lawyer, what would happen if my landlord filed for Chapter 7? I read that I should still be able to get my deposit back since it's ...
I agree with the others that if the landlord is liable for fraud in relation to the security deposit, then the debt would not be discharged. Thus he could technically discharge the debt if he were to file for bankruptcy.See question
The divorce decree was signed 4 months ago. We co-own three properties and one credit card. In the agreement, he agreed to pay the card because he spent the balance, and because he wanted to keep them and I wanted to sell them, I agreed to give ...
No, once the settlement is signed, absent a VERY proven and very significant degree of fraud, the settlement ends the case. Bankruptcy is also an absolute right, and your ex had full rights to file for bankruptcy and discharge any debts which he or she may have. You have the same right.
In order to protect yourself from an ex spouse bankruptcy, you needed to negotiate and split the division of debts properly. If this was not done, then there may be an issue.
As far as his ownership, if there was equity then he is allowed to exempt as much of that equity as he can. The remainder of the debt will be discharged unless he signs a reaffirmation agreement. If the debt is discharged, he will still be on deed but the security will still be attached. An equitable relief action would need to be open under the grounds of restitution.See question
I ask because I cant meet with a Bankruptcy attorney for 5 days and I believe the default judegment will be awarded today.
The creditor also needs to move for a writ of garnishment, in addition there is a 10 day waiting period to allow motions to reconsider. How long the creditor takes to begin a garnishment can depend on how fast their attorneys move. Sometimes they will begin garnishments as soon as possible, other times they will let it sit for quite some time.See question
disability and no means to pay them?
Absolutely medical bills can be discharged. Being on disability makes no difference as to whether the debts will be discharged. Bankruptcy will certainly wipe those away. Speaking with an attorney in the area will also help you decide if bankruptcy is right for you.See question
I want to file chapter 7 -is my life insurance exempt or can it be taken? I have borrowed the maximum amount against it
As the others have stated, whether your life insurance policy is exempt or not depends on what type of policy it is. Likely federal exemptions would allow you to exempt the maximum amount, but if you have already borrowed the maximum amount against the policy, then hte policy likely will have a much reduced value UNLESS there is also a cash surrender value that you would get despite borrowing against the maximum amount.
If the life insurance policy no longer has any real value, then the value to exempt would be $0 and it would allow you to keep the policy in place.See question
I sent a hardship letter to there first attorney and never heard back from them , they then hired another attorney, evidently it went to court and they got a judgement on it and never notified me of any court date whats so ever. So they froze my f...
Typically they cannot "freeze" funds but they can garnish funds by levying a judgement against them.
If there is a notice issue you can file for bankruptcy and challenge the garnishment in bankruptcy court. Furthermore, if you file within 90 days of the garnishment, you can get those funds back if you can exempt them as property. My advise is to call a bankruptcy attorney IMMEDIATELY and file right away to get those funds back .Filing for bankruptcy is probably the cheaper option between that and challenging the judgment in court.See question
I live in New Jersey and work in New York. I make $55,000 a year. I want to file Chapter 7 bankruptcy. Do I make too much?
As Mr Gambrell stated the answer is "maybe".
It depends on several factors.
If you are a single person filing without any dependents, then maybe depending on New Jersey's median income. If you have at least one dependent, then you likely would qualify for Chapter 7, but again this depends on the New Jersey median income, but I suspect it would be at least $60,000 without looking it up.
If you make too much, you still could qualify but its a long shot. You have to prove your reasonable expenses leave you with NO ability to fund a Chapter 13 payment plan.See question
There are no objections from the children of the ex-spouse for me to have complete ownership.
It depends on what type of property ownership you mean. A Joint tenancy with right of survivorship is one where title is held by multiple people. As people pass away, their interest transfers AUTOMATICALLY to the survivors. Once there is a final survivor, the survivor holds the property free and clear. If this is how you hold the property with the ex spouse, then you dont need to do anything, the property will transfer automatically.
However if the title is tenancy in common, there is no right of survivorship. Therefore, the ex spouse will need to include this as a gift in a Last Will and Testament. If he does not, the property will pass by intestate succession, either to a new spouse, children, or other family members. Ex spouses never have a right to a former spouse's estate absent a will.
While the survivors (children) could deed you the property after he passes, you will not receive the tax benefit of the step-up in the properties taxable basis. Therefore transfer via will is the best option.See question