Archived
Divorced for 5 yrs, filed & closed a Ch. 7 bankruptcy & filed a quitclaim deed. Am I still legally bonded on the mortgage?
Richard's answer
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Answered on July 28, 2014
First, you must distinguish between persona liability vs the secured creditors interest still attached to the house. Your personal liability was...
How long can I amend a chapter 7 bankruptcy?
Richard's answer
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Answered on July 28, 2014
You should amend your question to add: Was your case closed? What are you trying to add: an asset or a liability?
If I assume you are trying to...
Archived
Do I pay a payday loan back that was taken 30 days prior to a pro-se bankruptcy filing. I don't want issue with my chapter 7
Richard's answer
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Answered on July 28, 2014
First, you don't care about that 2 minute meeting other than making sure you are there!
Second, make sure you listed ALL creditors in your...
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Archived
Will I be penalized after I filed Chapter7 pro-se and used my credit card for gas and groceries?
Richard's answer
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Answered on July 28, 2014
First, even if you did not list a creditor they may still find out you filed and stop your card. Why? it is their policy and the contract itself...
Archived
I filed bankruptcy in Jan 2008 and discharged chapter 7 in April 2008. I have a creditor that was included in the bankruptcy.
Richard's answer
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Answered on July 28, 2014
Send them a letter in writing providing them the name , case number, copy of discharge and send return receipt requested. Ask them to please enter...
Archived
I am in a Chapter 13 that should be Fullfilled/Closed hopefully in less than a month. A HELOC and 2nd mortgage are in my name.
Richard's answer
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Answered on July 27, 2014
You should speak to an attorney about (1) if it is foreclosed on will you owe any $ in the state it is in and if so, (2) what can be done to do an...
Am I responsible for foreclosure attorney fees after chapter 7 bankruptcy?
Richard's answer
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Answered on July 27, 2014
Absent any reaffirmation you will NOT owe any such fees. IF you have any HOA dues , any due and payable after filing until the condo is NOT in your...
Can you use a credit card to pay for legal fees when filing bankruptcy
Richard's answer
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Answered on July 27, 2014
First, you can use it. The credit card creditor may file an adversary action or send you a letter indicating that they believe it is non...
Archived
Can my spouce file chapetr 13 just to avoid e d payment. He has already filed bankruptcy about twenty years ago.
Richard's answer
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Answered on July 27, 2014
First, file your proof of claim with the court and do it correctly.
Second, does he owe you ANY present or past due child support? If so, look...
Options after a chapter 13 and 2nd mortgage charge off.
Richard's answer
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Answered on July 27, 2014
First, I have not reaffirmed a 2nd mortgage in a ch 13. Are you sure it was a chapter 13? If so, did you receive a discharge in ch 13 or was it...
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