Bankruptcy Chapter 11
Real Estate Foreclosure 2nd Mortgage
My home was foreclosed two months ago. I assume that the first mortgage will be paid off at the foreclosure auction. We owed considerably less than the house was worth. How is the second mortgage...read more
My home was foreclosed two months ago. I assume that the first mortgage will be paid off at the foreclosure auction. We owed considerably less than the house was worth. How is the second mortgage...read more
Home Mortgage Loan Is This True?
I was talking to a friend of the family who is an attorney this is what he explained to me. In this state if you have a car loan and it is not reafirmed by the finance company. Latter on down the l...read more
I was talking to a friend of the family who is an attorney this is what he explained to me. In this state if you have a car loan and it is not reafirmed by the finance company. Latter on down the l...read more
Acne Treatment Ch 7 And Ongoing Medical Treatment
I've read that doctor bills are considered unsecured debt and you're not supposed to have paid any of your doctors more than $600 total in the 6 months preceding filing for Chapter 7 or the Trustee ...read more
I've read that doctor bills are considered unsecured debt and you're not supposed to have paid any of your doctors more than $600 total in the 6 months preceding filing for Chapter 7 or the Trustee ...read more
Debt Settlement Question For All
Thanks for all of your earlier advice. I have accepted the fact I am most probably going to have to voluntarily return my vehicle, just too far upside down in value and behind on payments, (almost ...read more
Thanks for all of your earlier advice. I have accepted the fact I am most probably going to have to voluntarily return my vehicle, just too far upside down in value and behind on payments, (almost ...read more
Mortgage After Bankruptcy Discharge--Anyone Do A Short Sale?
I know that there are many sharks swimming around with post-BK lists in their hands (fins?). However, we received a letter from a famous nation-wide realty service about what amounts to selling our...read more
I know that there are many sharks swimming around with post-BK lists in their hands (fins?). However, we received a letter from a famous nation-wide realty service about what amounts to selling our...read more
Credit Score Got My FICO 1 Week After BK Ch. 7
Just got my FICO score from 1 credit agency.... FICO is 513... is that normal post BK? I thought 350 is the lowest and 850 is highest, therefore my FICO should've been minimum 350? I know 513 is ...read more
Just got my FICO score from 1 credit agency.... FICO is 513... is that normal post BK? I thought 350 is the lowest and 850 is highest, therefore my FICO should've been minimum 350? I know 513 is ...read more
Small Business Sale Of Home During Chapter 13
Filed chapter 13 one year ago and kept the house. What happens if we move and have to sell home? Does all the money go to creditors? Do we get to keep any of the profit? Expect to get about $25,00...read more
Filed chapter 13 one year ago and kept the house. What happens if we move and have to sell home? Does all the money go to creditors? Do we get to keep any of the profit? Expect to get about $25,00...read more
Credit Card Debt Charge Offs
Could anyone tell me what your responsibility is to a creditor after they charge it off. I know the right thing to do is to pay it, but can they still pursue collection? What happens if I never pay ...read more
Could anyone tell me what your responsibility is to a creditor after they charge it off. I know the right thing to do is to pay it, but can they still pursue collection? What happens if I never pay ...read more
Debt Settlement Child Credit
We just received a check for $400 for the Child Tax Credit. We plan to file Bk in the next month or two. Can the creditors take it? What can we do with it to make it not get taken?...read more
We just received a check for $400 for the Child Tax Credit. We plan to file Bk in the next month or two. Can the creditors take it? What can we do with it to make it not get taken?...read more
Credit Cards Line Of Credit
We are getting ready to file bk (Ch 7) and we have not used any of our credit cards since March when we did a lot of balance transfers and moving money around. My question is that we have a line ...read more
We are getting ready to file bk (Ch 7) and we have not used any of our credit cards since March when we did a lot of balance transfers and moving money around. My question is that we have a line ...read more
Landlord Auto Lease Reaffirmation
I Just filed for bk7 last week. I have a 36 month lease. I have paid on time for 29 months. Now because of the filing they will be unable to send me a monthly statement. Should I wait to hear from t...read more
I Just filed for bk7 last week. I have a 36 month lease. I have paid on time for 29 months. Now because of the filing they will be unable to send me a monthly statement. Should I wait to hear from t...read more
Einstein Screw Up On Bankruptcy Papers By Lawyers Secterary, Need Advice?
Me and the wife just got our BK papers in the mail yesterday and we were proofing them when we noticed numerous, NUMEROUS, errors on the papers. Wrong addresses, wrong account numbers, wrong addres...read more
Me and the wife just got our BK papers in the mail yesterday and we were proofing them when we noticed numerous, NUMEROUS, errors on the papers. Wrong addresses, wrong account numbers, wrong addres...read more
Value Change Chapter 7 In CA
I need some input about how to figure out what my house is worth? I owe around $105,000. and from the comps I've pulled in the area (all mobiles) run from $75,000. up to $175,000. What basis do I u...read more
I need some input about how to figure out what my house is worth? I owe around $105,000. and from the comps I've pulled in the area (all mobiles) run from $75,000. up to $175,000. What basis do I u...read more
Credit Repair Charge Offs On Credit Report
If I payoff my creditors that have reported a charge off, will the charge off stay on my credit report for 7 years, or will it show that it was paid....read more
If I payoff my creditors that have reported a charge off, will the charge off stay on my credit report for 7 years, or will it show that it was paid....read more
Why Start Not Filing
I owe $60000 in credit cards. My house is payed for, only worth $40,000, which I gave to my daughter 1 year ago and now I am a life time resident on SSI. My lawyer told me not to file bankruptcy,bec...read more
I owe $60000 in credit cards. My house is payed for, only worth $40,000, which I gave to my daughter 1 year ago and now I am a life time resident on SSI. My lawyer told me not to file bankruptcy,bec...read more
Jobs Had A Bankruptcy? Forget That New Job Or Promotion
In the continuing campaign to destroy people who have had unfortunate life events and/or met up with criminal lenders, now nearly every job application is asking to pull the prospective or current e...read more
In the continuing campaign to destroy people who have had unfortunate life events and/or met up with criminal lenders, now nearly every job application is asking to pull the prospective or current e...read more
Mortgage Rates Refinancing Mortgage After Discharge
I had my 341 meeting on July 8. Just like Brett keeps saying, no one showed up. The trustee found my Chapter 7 case to be an "Asset" case because I have some equity in a couple of properties. He has...read more
I had my 341 meeting on July 8. Just like Brett keeps saying, no one showed up. The trustee found my Chapter 7 case to be an "Asset" case because I have some equity in a couple of properties. He has...read more
Mortgage 13 Or 7?
I called a lawyer for "free advice" today and he said I have too much equitity in my home and I probably will not qualify for Chpt 7, just 13. I am currently in CCCS and have been for 2 years. I can...read more
I called a lawyer for "free advice" today and he said I have too much equitity in my home and I probably will not qualify for Chpt 7, just 13. I am currently in CCCS and have been for 2 years. I can...read more
Filing Bankruptcy Help Please.. Considering Only One Spouse Filing Bankruptcy
I sure would appreciate some wisdom on this issue. I saw a lawyer for the free consultation, and he told me this could be done, but I am scared. How does a bankruptcy look at joint property, as far ...read more
I sure would appreciate some wisdom on this issue. I saw a lawyer for the free consultation, and he told me this could be done, but I am scared. How does a bankruptcy look at joint property, as far ...read more
Mortgage Bankruptcy Advice
I am considering filing for a chapter 7 bankruptcy (in Florida) and had some questions that I hope someone could answer: 1) My father has cosigned a car loan with me. I intend on reaffirming this ...read more
I am considering filing for a chapter 7 bankruptcy (in Florida) and had some questions that I hope someone could answer: 1) My father has cosigned a car loan with me. I intend on reaffirming this ...read more
Car Alarm Car Question
I have a question regarding the car I own, first of all I plan on filing CH.7 on or about Oct 1st and live in Nevada. The car I own is worth about $2500 but it wont pass smog the way t is now. I d...read more
I have a question regarding the car I own, first of all I plan on filing CH.7 on or about Oct 1st and live in Nevada. The car I own is worth about $2500 but it wont pass smog the way t is now. I d...read more
Security Policy Life Insurance Exempt?
i have a question about exemption of unmatured life insurance: this is a voluntary, single individual, #7, no asset case. California Code of Civil Proceedure states: 704.100. (a) Unmatured lif...read more
i have a question about exemption of unmatured life insurance: this is a voluntary, single individual, #7, no asset case. California Code of Civil Proceedure states: 704.100. (a) Unmatured lif...read more
District Attorney Update On Paperwork Situation
Called the law office today. My attorney is taking ANOTHER vacation and may not be back for a week or so. Basically the head secretary was shock *coughbullshit* that such errors could happen. Fina...read more
Called the law office today. My attorney is taking ANOTHER vacation and may not be back for a week or so. Basically the head secretary was shock *coughbullshit* that such errors could happen. Fina...read more
Credit Repair Question, To Anyone Else Who Cares To Answer...
Hey all, My wife and I finally have been trying to gett our credit reports in order and I am floored by how many errors are on our reports. and how many errors are still on. is there anyone that can...read more
Hey all, My wife and I finally have been trying to gett our credit reports in order and I am floored by how many errors are on our reports. and how many errors are still on. is there anyone that can...read more
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