Archived
I just received a Note for Motion Docket pertaining to a Credit Card I owed on since 2011. It gives me a court date and says th
Robert's answer
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Answered on April 16, 2013
It is not required that you attend the hearing. If you don't, the creditor will likley get a judgment. Your SSI is exempt. You would have to...
Archived
What can we do now that we have had our mortgage debt discharged in bankruptcy?
Robert's answer
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Answered on April 15, 2013
Yes, you can still do the short sale since there has not been a foreclosure. You might even be entitled to a cash incentive, depending on who the...
Archived
My husband and I are in the process of Ch 7 bankruptcy right now.
Robert's answer
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Answered on April 07, 2013
If it were me I'd try a short sale again. You might be entitled to a cash incentive upon closing. That's better than a kick in the knee. ;-) ...
I owe 20,000 to a bank for a credit card debt that I defaulted on in 2008. can a 3rd party that bought the debt sue me?
Robert's answer
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Answered on April 06, 2013
The Statute of Limitations on a written contact in WA is 6 years. So, it sounds like they are suing soon enough. Yes, you can still settle even...
Archived
What do I do with a "Summons and Complaint" if I have no income?
Robert's answer
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Answered on April 05, 2013
Based on the facts presented, you don't earn enough to have your wages garnished (if the $484 is wages). Child support is exempt. Normally, you...
Archived
My car got repoed and they sold it at an auction. Now taking me to court and said they are going to garnish my wages. Can they?
Robert's answer
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Answered on March 31, 2013
As a general rule, you are obligated for the balance due on loan after they sell the car and give you credit for the proceeds AFTER they pay their...
Archived
Can a person bankrupt on a RV and nothing else?
Robert's answer
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Answered on March 31, 2013
No. You must list all your debts. All debts are discharged unless exempted from discharge (11 USC 523) or "reaffirmed" (11 USC 524). However, as...
Archived
What will they take if we declare bankruptcy?
Robert's answer
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Answered on March 30, 2013
Most people filing ion Washington State lose nothing. You can retain "exempt" assets. You can exemptions under the State Exemptions or the...
My request for waiver of chapter 7 filing fees was denied. Can this be contested and how?
Robert's answer
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Answered on March 30, 2013
You can file a Motion for Reconsideration and set it for hearing. If you own a piano worth $11K free and clear, my guess is that the court woudl...
Lien stripping in WA State Chap 13
Robert's answer
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Answered on March 06, 2013
To lien strip a 2nd mortgage you have to owe more on your first DOT than the home is worth. AND you have to complete your Chapter 13. The third...
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