Archived
Is there a circumstance when a car that will be surrendered should be claimed as exempt on Schedule C when filing for Ch 7 BK?
Richard's answer
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Answered on December 20, 2013
The question is is the EVER a circumstance. So I do agree with the attorneys who state IF you have actual equity (check the Autotrader on actual...
Archived
I can't pay off student loans because my Women's Studies degree is useless. Do I qualify for Chapter 7 or undue burden?
Richard's answer
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Answered on December 20, 2013
First, most bankruptcy attorneys have NEVER filed and litigated a student loan case!. I have practiced over 26 years and filed over 42 student loan...
Archived
I filed CH 7 BK in July 2013, discharged Nov 2013. I had a refund from the IRS from 2012 and they kept and applied it to 2005 .
Richard's answer
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Answered on December 17, 2013
If you had filed in 2012 , then the offset would not have occurred! But since you waited to file in 2013 the tax year already ended for 2012 and...
Archived
Is there any chance of getting large private student loans partially discharged by filing Ch. 7 in Fayette County?
Richard's answer
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Answered on December 17, 2013
Most bankruptcy attorneys have NEVER filed a student loan adversary case to discharge student loans! I have filed more than any attorney in...
Archived
After filing Chapter 7 in WA State using the Fed Exemptions. How do I pay my mortgage or food for my family?
Richard's answer
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Answered on December 16, 2013
You obviously do NOT have a bankruptcy attorney and thus are being your own attorney. As a result, you have a misconception of the law! First, you...
Archived
Where do I put a d/b/a/ name for my LLC (if i also have an a/k/a/ shortened name) to be used on the Voluntary Petition for Bk7?
Richard's answer
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Answered on December 15, 2013
I believe several of the answers are NOT true..the would be perjurous. An individual does NOT list any corporations he owns, whether LLC, C corp, S...
Archived
I am filing Chapter 7 in WA State. Schedule B & C do not have enough space to list items do I just attach extra sheets?
Richard's answer
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Answered on December 11, 2013
You can write exemptions on any paperwork as long as you accurately claim the exemption. Stating "Wa State Bankruptcy Paperwork" does not mean...
Archived
Filed Chapter 13 3years ago, had to have it dismissed, and filed Chapter 7, have been trying to re-affirm Mortgage since.
Richard's answer
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Answered on December 10, 2013
The exact figures need to be looked at..some misstatements on the debt by some attorneys. If you have unsecured debt of MORE than $383,175 or more...
When does the 6 month after bankruptcy (Chapter 7) rule start? When you are released?
Richard's answer
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Answered on December 10, 2013
As indicated by the other answers, it is from date of the petition filing and is 180 days..each day is crucial as 180 and 181 days will lead to 2...
Archived
Discharged from ch 7 bankruptcy for 2 yrs , kept our home property but its not showing on credit. walk or reaffirm to relocate?
Richard's answer
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Answered on December 09, 2013
YOur listing of facts fails to indicate if in fact you did reaffirm or not. If not, then the debt was discharged in the bankruptcy and balances and...
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