Archived
Is a res tenant entitled to 60 days notice to vacate, in the event of a foreclosure, after 12 mos of residence?
Ralph's answer
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Answered on December 06, 2009
President Obama signed S. 896, P.L. 111-22, on May 20, 2009. This bill includes a nationwide 90 day pre-eviction notice requirement for tenants in...
Archived
HOW DO YOU GET NOTIFIED WHEN A PROPERTY IS NO LONGER GOING TO AUCTION
Ralph's answer
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Answered on December 06, 2009
A junior lienholder is not given written notice of a postponement or cancellation of sale. If the sale is postponed the auctioneer must publicly...
Archived
Is bankruptcy a good idea?
Ralph's answer
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Answered on December 06, 2009
Bankruptcy may be able to get your license back. In the U.S. Supreme Court case Perez v. Campbell, 402 U.S. 637, the Court held that a state...
Archived
What are my options when a collection agency continues to call on a bill I am paying $411 a month on?
Ralph's answer
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Answered on December 06, 2009
Write the creditor and tell them to stop making phone calls. Under the Fair Debt Collection Practice Act (15 U.S.C. §§ 1692-1692 you can sue a...
Archived
Medical Billing Question
Ralph's answer
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Answered on December 06, 2009
Eventually, the bills will go to collections. The only way collections can enforce the debt, other than by harassing you, is to take you to...
Archived
Bankrupt Question
Ralph's answer
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Answered on December 06, 2009
You need to put yourself ahead of your creditors. Your first priority is to feed and shelter yourself and your family. If you don't have the...
Archived
I am a renter and received in the mail a notice addressed to occupant stating a notice of default and election to sell.
Ralph's answer
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Answered on November 29, 2009
Tenants have special rights in foreclosure and must receive notice separate from the notices given to the owner of the property. A new federal...
Archived
How can I compel Bank with 2nd mortgage to close the acct after completed foreclosure on 1st mortgage and discharged chapter 7.
Ralph's answer
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Answered on October 30, 2009
A Chapter 7 bankruptcy discharge wipes out your personal liability on the 2nd mortgage and, barring unknown facts, the lender cannot pursue...
Archived
How do I add a creditor on a closed bankruptcy in California?
Ralph's answer
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Answered on October 30, 2009
You can't add the creditor to the bankruptcy because the time for amending the petition has passed once you've been discharged and the case is...
Archived
After a chapter 13 is dismissed, is there a waiting period before I can file again.
Ralph's answer
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Answered on October 19, 2009
By "no bar imposed", I assume your case was not dismissed with prejudice. In that case you can file again immediately, but if your case was...
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