Richard D. Granvold's Answers (8589)

Archived

If college is paid out of pocket with no financial aid assistance and there is a balance owed. Can it be discharged in ch 7

Richard's answer | Answered on January 11, 2015

Attorney Berkus states it as it is based on those facts. But filing bankruptcy involves other issues too. You need and want to enjoy your fresh...

Archived

Hi. I have a question regarding my Chapter 13 Bankruptcy and tax return I will receive...

Richard's answer | Answered on January 11, 2015

The terms of the plan govern. What does the confirmed plan state? Any court order state also confirming the plan. If it does not require...

Archived

The difference between terms...

Richard's answer | Answered on January 11, 2015

IF you are IN a ch 13 NOW and filed a prior ch 7 LESS than 8 years before the ch 13 petition date and obtained a discharge, the you CANNOT "switch"...

Archived

Can I hire another attorney. Originally chap 13, was going to file chap 7, but he said I would need to file chap 13. note below.

Richard's answer | Answered on January 10, 2015

You don't state HOW much $ you provided your son. My guess it is substantial...not just $1000 or less. And my guess is you did so w/o asking or...

Archived

Filing Chapter 13, but I don't know who owns my mortgage, so how do I list the debt on my schedules?

Richard's answer | Answered on January 10, 2015

The actual deed recorded will show who owned the mortgage when you signed it. It is only if they assigned it that it changes. Thus, an assignment...

Archived

How much will my Chapter 13 payment be?

Richard's answer | Answered on January 10, 2015

It is impossible to simply answer your question as it would mean to site the entire means test and parts of the CODE. Impossible. Hence the reason...

Archived

Can I settle on a charged off mortgage and pay it through my chapter 13 bankruptcy?

Richard's answer | Answered on January 10, 2015

Too many facts are unknown. For example, do you live in the house? What is the fmv of house? Is 1st mortgage balanced on petition date higher than...

Archived

Chapter 13 - toward the end of plan

Richard's answer | Answered on January 10, 2015

You cannot ever know how much you are going to pay into the plan exactly (unless an amended plan is filed after the deadline for filing claims)!...

Archived

Filed ch. 7 in 12/13. received discharge 3/14. today received "notice of appearance & request for notices"

Richard's answer | Answered on January 10, 2015

Some creditors when their attorney is replaced by another attorney just file those notices as I guess it is easier than to try to see which of...

Archived

I filed chapter 7 bankruptcy in 2011. I included 2 mortgages from 2 houses in separate states. I am now being sued by the bank

Richard's answer | Answered on January 10, 2015

As Attorney Bunce indicates, you may simply have been served legal papers to foreclose. They should or could contain a statement that it IS NOT AN...

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