Archived
Can I file chap 7 bankruptcy with a collection agency that has my second mortgage and still keep my house?
Richard's answer
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Answered on April 27, 2014
Attorney Caldwell states it like it is. You cant remove the 2nd mortgage in a ch 7..but you can also try to see if they will voluntarily agree to...
Archived
Do I have to pay back my medpay carrier if the medpay carrier's lien was fully discharged in a chapter 7 bankruptcy?
Richard's answer
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Answered on April 27, 2014
First, I do NOT do personal injury law at least not since the 1980's. Second, your personal liability was discharged in the bankruptcy. You cannot...
Archived
Is it possible if a married couple files their taxes jointly, for one person to declare bankruptcy and the other not?
Richard's answer
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Answered on April 27, 2014
If you have federal student loans, whether you file a tax return jointly or not does matter if you join the federal student loan modification and...
Archived
I rent in minnesota and own no home. Can I use the federal wildcard exemption for other property?
Richard's answer
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Answered on April 27, 2014
Yes. In your state you can choose the state or federal exemptions. Of course if you can exempt 100% of all under Federal Exemptions, who worry...
Archived
I filed ch 7 last year, but now want to foreclose on my home. I did not reaffirm the mortgage. Will I be sued for the deficiency
Richard's answer
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Answered on April 26, 2014
You don't owe anything because it is discharged and no reaffirmation. First, you should call the court and see if your case is closed..as until...
Archived
My BK attorney is in jail. I need schedule B & C from my chapter 13 case which has been discharged and closed.
Richard's answer
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Answered on April 26, 2014
Printout at court or go to any bankruptcy attorneys office and ask them if you can pay them to print it out and they may do for free even though...
Archived
How long does it take for a chapter 7 bankruptcy case to close?
Richard's answer
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Answered on April 26, 2014
Just call clerks office as they make mistakes too as if no adversary proceeding it should be closed!
Archived
How or Can chpt13 bankruptcy help me keep my car?
Richard's answer
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Answered on April 26, 2014
Yes cram down interest rate to 4 and half %and take 5 years to pay back. Good luck.
Archived
If I decide to file bankruptcy due to a judgment against me for a car that I don't have any more, should I file ch 13?
Richard's answer
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Answered on April 26, 2014
Under your facts without more there is no reason to file a ch 13! If you have a prior ch 7 in last 8 yrs or large traffic fines or trying to save a...
Archived
Are my business and personal income taxes eligible for chapter 7 bankruptcy?
Richard's answer
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Answered on April 26, 2014
First you should only get advice from a bankruptcy tax attorney. Second the type of tax matters on if dischargeable and what portion. Third it...
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