Questions answered by Richard D. Granvold

Archived

Would the bankruptcy court have documents that PACER system does not?

Richard's answer | Answered on May 21, 2014

It is always possible! I have in my 27 years seen all. I have found documents filed in one file but were of another. But now it is electronically...

Archived

7 years ago I had to declare ch 7 bankruptcy on my business-the collateral at onset of the loan remains untouched- time limit?

Richard's answer | Answered on May 21, 2014

First, we don't know if your business was incorporated. If so, no debt is discharged in ch 7 by a corporation. If you filed bankruptcy then the...

Archived

Can a MRI office during a scheduled appt. asked us to pay a $110 bankruptcy discharged included debt from '01 before being seen

Richard's answer | Answered on May 21, 2014

No. They can be sued.but they do not have to treat you

Archived

Chapter 13 modification

Richard's answer | Answered on May 21, 2014

Attorney Berkus carefully states it like it is. I just wanted to add that you cannot normally incur new indebtedness during a ch 13 w/o court...

Archived

I filed for chapter 7 bankruptcy a few yearsbago, can I still get a loan modification or refinance?

Richard's answer | Answered on May 21, 2014

Anyone can get a loan modification or refinance if you qualify and the lender wants to allow you to do so and agree to the terms. If a refinance,...

Archived

We filed Chapter 7 and were discharged 3 years ago. We did put our condo as exempt but we never re-affirmed the mortgage.

Richard's answer | Answered on May 21, 2014

Attorney Berkus states it like it is. If a lender will lend, then so be it. It is what leads to what is needed to qualify for the new loan that is...

Archived

Do I have to wait for my father to pay off his chapter 7 bankruptcy before purchasing his house?

Richard's answer | Answered on May 21, 2014

First, check with his attorney or at the clerk to verify in fact if it is a ch 13 or a ch 7. If a ch 7, you need to wait till the case is...

Archived

When one files chapter 7 banckuptcy in mich does that wipe out utility bill debt

Richard's answer | Answered on May 20, 2014

Pursuant to 11 USC 366, if you do not offer "adequate assurance of payment" the utility can discontinue your service. You have only 20 days after...

Archived

Adding Creditors After Creditors Meeting?

Richard's answer | Answered on May 20, 2014

You don't have to but it is best to do so asap. You have the duty to amend, pay the $30 amendment fee which may increase June 1 ( I have not seen...

Archived

Approximately how much time will I have in my home (in Pasco County) if I file bankruptcy to prevent the foreclosure auction?

Richard's answer | Answered on May 20, 2014

If you file bankrupty a millionth of a second before or earlier than that before the sale, it stops the sale. Then the creditor must obtain court...

Richard D. Granvold's Answers (8589)

Would the bankruptcy court have documents that PACER system does not?

7 years ago I had to declare ch 7 bankruptcy on my business-the collateral at onset of the loan remains untouched- time limit?

Can a MRI office during a scheduled appt. asked us to pay a $110 bankruptcy discharged included debt from '01 before being seen

Chapter 13 modification

I filed for chapter 7 bankruptcy a few yearsbago, can I still get a loan modification or refinance?

We filed Chapter 7 and were discharged 3 years ago. We did put our condo as exempt but we never re-affirmed the mortgage.

Do I have to wait for my father to pay off his chapter 7 bankruptcy before purchasing his house?

When one files chapter 7 banckuptcy in mich does that wipe out utility bill debt

Adding Creditors After Creditors Meeting?

Approximately how much time will I have in my home (in Pasco County) if I file bankruptcy to prevent the foreclosure auction?