Richard D. Granvold's Answers (8589)

Archived

Can the bank be encouraged or forced to foreclose following chapter 7 bankruptcy?

Richard's answer | Answered on February 18, 2014

I wonder if they somehow lost the "note". Just a guess. Why don't you rent out the property? Is there any notice of special assessments? Just in...

Archived

What factors due the bankruptcy court consider in a chapter13 case in regards to how much you would pay the trustee in the plan

Richard's answer | Answered on February 18, 2014

You can strip on a house you live in a 2nd mortgage IF the value of the home is less than the first mortgage! It is beyond the scope of AVVO to...

Archived

My mortgage was charged off in a 2011 chapter 7 bankruptcy and wasn't supposed to be. What now?

Richard's answer | Answered on February 18, 2014

I wont duplicate what the other attorneys have already stated and incorporate those replies. Howeever, what you need to know is your attorney did...

Archived

What is chapter 7

Richard's answer | Answered on February 18, 2014

You have really 2 goals in any bankruptcy including a ch 7: Can you keep all the property you have equity in and can you discharge all your debts....

Archived

Is it worth the trouble to report a creditor for violating my automatic stay?

Richard's answer | Answered on February 17, 2014

I would send a certified letter indicating you obtained a discharge and your case number and date filed and location of the court and request no...

Archived

I attended a private college which no longer appears to be accredited. Are my loans able to be discharged via bankruptcy?

Richard's answer | Answered on February 17, 2014

Attorney McCall points out great information in case it assists you w/o having to prove an "undue hardship" if it applies to a case like yours. If...

Archived

Can I appear for my husband in a bankruptcy hearing if my name is not on the deed.

Richard's answer | Answered on February 17, 2014

There is NO REASON for you or your husband to appear at the meeting absent facts we don't know about. Many creditors THINK they must appear at...

Archived

If you have filed for Bankruptcy, but have not had a creditors meeting, can you withdraw or cancel your filing? For Chapter 7.

Richard's answer | Answered on February 17, 2014

Contrary to the other attorneys answers, I disagree. It is easy . Don't go to the 341 meeting and they will normally file a motion to dismiss your...

Archived

North Carolina-serious structural repairs needed on 11 y/o house -- Ch.7 discharge 2004 / not-reaffirmed -- strategic default?

Richard's answer | Answered on February 17, 2014

What we don't know is what the house is actually worth now..and the fact it has substantial structural repairs will affect that value. Secondly, we...

Archived

Chap 7 discharged 08/12. Included my house with 3 mortgages. 1 st.100,000 2. 60,000 3. 200,000. So I do not have pay for them.

Richard's answer | Answered on February 17, 2014

Unless I am missing something , I disagree with Attorney Adams. If the value of the home is MORE than the first two mortgages, I am not aware how...

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