Archived
I filed a Ch.7 bankruptcy petition in 2012. I included in my petition past HOA dues and attorney fees from the law firm trying
Richard's answer
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Answered on February 02, 2015
You apparently did not use an attorney. Your personal liability was discharged as to HOA dues/ Fees due and payable BEFORE your case was filed, NOT...
Archived
Should I still have a missed payment on my credit report after I did a chapter 7
Richard's answer
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Answered on February 02, 2015
You should order all 3 credit reports and object to any debt except a non dischargeable type debt so all state "zero balance, discharged in...
Archived
Refund for bankruptcy?
Richard's answer
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Answered on February 02, 2015
Absent there being a reason NOT to file yet, that is too long. We do a file in 1 or 2 days almost always for 28 years and 8,000 bankruptcies! Your...
Archived
Mortgage Arrears and Tax refunds, will the chapter 13 trustee use my refund towards mortgage arrears?
Richard's answer
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Answered on February 02, 2015
you need to rely on an attorney, not a "paralegal" who cannot give you legal advice and in fact I believe cannot use that name since 2005..only...
Will a Chapter 7 bankruptcy affect my mortgage loan origination license?
Richard's answer
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Answered on February 02, 2015
Not only your license but all assets you want to protect. You have some of your goals above in your question but in reality it is ALL assets you...
Archived
How can I re-secure my home in a Chapter 7 asset case?
Richard's answer
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Answered on February 02, 2015
You must wait till your case is closed which is after discharge. Once closed, then it is your property to do with as you wish. Then find out the...
Archived
Chapter 7, Amending Schedules B & C to include state and federal income tax refund
Richard's answer
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Answered on February 01, 2015
Line 18 is fine. Exempt all on Schedule C. If you don't believe all is exemptable then speak with a bankruptcy attorney. Good luck.
Archived
I am about $6,000 dollars in debt with 3 credit cards and when medical bill. Can't afford a lawyer to file chapter 7.
Richard's answer
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Answered on February 01, 2015
The first thing you want to do is see in fact if all your assets are in fact all protected even w/o filing a bankruptcy. if so, then you can decide...
Archived
Our property management company filed Chapter 7 one week after we gave our notice. Can we get our deposit back?
Richard's answer
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Answered on February 01, 2015
I believe the answer will depend on both your state law and on your contract. Why? Here In Washington the landlord is supposed to hold the deposit...
I'm in a chapter 13 which the dealership was aware of. I gave them a deposit of $6700. The bankruptcy court denied purchase.
Richard's answer
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Answered on February 01, 2015
You should always obtain attorneys advice in ch 13 before trying to purchase a car. Most courts have local rules governing such a purchase like...
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