Legal advice on Bankruptcy trustee

My name was never legally the name that the ewo was issued under.

After 17 years of an ARM mortgage and rapid rate increases in the last few years, I am having trouble making my mortgage payments. I requested from my lender to give me some options for hardship and reasonable terms so it will lower my monthly payments. They sent me a letter offering to increase my mortgage payment by $500 a month! How does this make sense? I have the choice of my current hard situation to pay lower, but accepting a remodification I will have no chance in making my monthly payments. What’s going on with scammy lenders? I have never heard of someone requesting a modification so they can pay more when in hardship.

I know Florida has a wage exemption, but what happens if there is currently no income to exempt? I'm the head of household, supporting 2 kids, and paying all living expenses from savings. Will they leave me "X" amount of living expenses for "X" amount of time? Am I allowed any money to survive or are we immediately homeless because I'm a renter?

My 90 year old grandmother has dementia and was living with my mother. My mother is the executor of her trust and was in the process of getting a medical directive, power of attorney, etc. but while doing so my aunt (mother’s sister) came to visit my grandmother while my mom was at work and “took” my grandmother home with her and we have not been able to find them. Now it appears my grandmother sold her home in Arizona. Is that legal if my mom was the executor of the trust and we have proof my grandmother wasn’t of sound mind? What can we do? I reported elder financial abuse to the county we think they are likely in, but nothing has come of it as of late. So upsetting! Any information you can provide would be greatly appreciated.

hello, my spouse filed for chapter 7 in the middle of our divorce proceeding. Long story short, divorced halted and I settled with the trustee of NJ because they were trying to take my home and sell it. Settlement is now finalized and I don't want to file a motion for relief of temporary stay . How long do I have to wait until bankruptcy case is closed so I can proceed with my divorce?

Hi, thank you in advance for your help. I keep getting mixed answer's about my situation and would appreciate someone with experience so I came here. My husband and I own a home. Hes on the deed with me the mortage and all other bills are just in my name. We have no joint debt. Therefore Im considering filing bankruptcy chapter 7 without him. Our equity in our home is exempt based on tenants by entirety verbiage on the deed and no joint debt. My concern is I may owe for 2022 taxes. Im gathering what i need and have an extension until Oct to file. My understanding if we file taxes together it becomes "joint" debt. If we file separate taxes for 2022 he won't owe I will which is just my debt. Therefore if it's my debt solely and I filed bankruptcy without him, will it break the tenants by entirety rules and technically be considered "joint" debt by the IRS? I'm going to take care of it and will set up a payment plan pending the amount (almost certain I wont be able to pay it off alll at once) but want to make sure my home equity is fully protected first. And yes, Ive corrected what got us in this situation in the first place. Thank you all in advance for your guidance.

My mom passed away in March of this year and it was still a open Chapter 13 case. Only thing that was secured was a vehicle. I'm now the Executor Administrator of her Estate and have taken ownership of the car and assets. The Trustee office told me they never seen a debtor that passed away bankruptcy ever being continued to be paid on. I've been paying on it just for the car purpose but thinking would it be in the best interest to file for dismissal and deal with the lienholder directly after the dismissal? I plan on keeping the car. What would happen to the other remaining unsecured debt that was included. I'm trying to make the best decision here and I'm leaning towards filing a dismissal. Help!

The United States Trustee finished rule 2004 exam on the debtor in Chapter-7 Case yesterday. What happens next?

Since I was not advised that I am not eligible must mean that it is not available in my jurisdiction.