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My father recently passed away and my parents discharge went through forchapter 7 bankruptcy. Can they take all life insurance?
Patrick's answer
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Answered on July 03, 2012
It depends on several factors. I am guessing your parents filed jointly. I am also assuming that your father passed away within 180 days of filing...
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I'm getting married and my future spouse is filling chapter 7, should we wait to marry until after she files or will this matter
Patrick's answer
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Answered on July 03, 2012
Another consideration would be the Means Test. You haven't provided any information about your respective incomes but once you are married your...
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Not sure if to short sale or file bankruptcy?
Patrick's answer
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Answered on July 03, 2012
I agree with everything said previously. I would just further caution you to make sure that if you do choose to do a short sale, make sure you...
Archived
I defaulted on a payday loan and received a call from a lawyers office about this bill that If I did not pay it by friday they
Patrick's answer
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Answered on June 28, 2012
I agree with everything said previously. Talk to a local consumer protection attorney who can tell you how to best document these abusive calls....
Archived
If you have title loan & file Chapter 7 can the interest charged on what you owe be discharged?
Patrick's answer
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Answered on June 28, 2012
If you're behind on your payments, once you file a Chapter 7, the title loan company will most likely file a motion to lift the automatic stay so...
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Should I suggest to the judge the amount I can afford to pay towards a credit card debt?
Patrick's answer
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Answered on June 28, 2012
Social security is exempt from seizure as a matter of federal law. Make sure that the account holding your SSI is separate from any other money you...
Is my security deposit with my landlord exempt in chapter 7 bankruptcy?
Patrick's answer
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Answered on June 21, 2012
New Jersey permits use of the federal or state exemptions. I'm not sure about the New Jersey exemptions, but under the federal exemptions a...
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Hi, I filed Chapter 7 in 2010. In 2011, I filed a wrongful foreclosure action against my mortgage servicer. The servicer
Patrick's answer
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Answered on June 19, 2012
The trustee of your case is who would take over your claim, no one would "purchase" it. Since the claim is part of your estate the trustee will...
Archived
Does Texas have unlimited homestead exemption from unsecured creditors?
Patrick's answer
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Answered on June 19, 2012
Your home will be protected from unsecured creditors, even student loans. Your SSI is exempt too as a matter of federal law.
Hope this helps!
Archived
Can I surrender my car if I can afford the payments after a chapter 7.
Patrick's answer
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Answered on June 13, 2012
I'm not sure I entirely understand your question but you can surrender the car in a Chapter 7. It has nothing to do with whether you can afford it....
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