Well it's not really a bankruptcy question. I am being
Well it's not really a bankruptcy question. I am being contacted by a company that says they have a second mortgage that was charged off. Apparently, they've had it since 2010 but they are just contacting me in 2016 about it and charging me $500 a month in attorney fees. I don't even know if this company is legit.JA: What state are you in? And has anything been officially filed?Customer: TN officially filed? What do you mean?JA: Has anything been filed in civil court? If so, what? What confuses you?Customer: noJA: Anything else you want the lawyer to know before I connect you?Customer: This co is threatening to foreclose for $2000
I am a tenant in an large apartment complex for 8 years. I
Hello,I am a tenant in an large apartment complex for 8 years. I owe them about $900 in water bills. My original deposit was $950 8 years ago. My lease is over Novemeber 30th. I want to move as soon as possible, maybe even Octuber 30th.My lease contract says that for me to terminate the lease I need to give them 30 day notice and then I be responsible for two months lease (or in my case just till end of lease)I filed bankruptcy and the case was closed and bankruptcy (chapter 7) was finalized last week. I never mentioned to my lawyer or to the trustee that I want to move or terminate my lease. my question to you today is can I brake my lease now and not have to pay for next months rent? do I still neeed to give them 30 day notice or can I just tell them I be out in 20 days. I assume they for sure can keep my deposit .Rent is currently 1100, water is about an additional $70. When I originally moved in I was a student and I had a guarantor, but he never signed on renewal leases can they go after him or affect his credit, he was never asked to come back and sign anything since 2008. thanks
We are a nationwide commercial finance firm based in
We are a nationwide commercial finance firm based in California. We financed a Kenworth truck to a diver-proprietor in Missouri. The truck cost $36,900 and the debtor put $9,225 down so that the amount financed under the Equipment Fince Agreement came to $27,675 plus some upfront fees.The transaction was guaranteed by debtor's spouse and his LLC entity. The debtor and his spouse defaulted after making their second payment in April 2016. In June 2016, they filed Chapter 13 in the Western District of Missouri and we filed a Proof of Claim of $50k representing our remaining receivable balance. Then the debtors filed an Objection to our Claim saying "the claim should instead be allowed as a secured claim in the amount of $26,951 because that represents the amount unpaid on the "total advance" under the contract as of the filing date of the bankruptcy". How can we fight this cram down?Thanks.
My chapter 13 Confirmation Hearing keeps getting
My chapter 13 Confirmation Hearing keeps getting "continued".Is there any reason why that might be?This is the second month in a row this has happened.Also, may my attorney be charging me for this?
This is a chapter 13 question. The Debtor is materially
This is a chapter 13 question. The Debtor is materially behind on her 2nd mortgage, all of the arrears are in the proposed plan. The Debtor wants to pay the arrears in the plan, 2nd mortgage outside the plan. The debt matures during the time span of the proposed plan. The Creditor for the 2nd mortgage objected to confirmation because the entire debt was not placed in the plan. Does the Debtor have to put the entire 2nd mortgage in the plan? Thank you in advance for your assistance.
I recently got divorced and got stuck with all the credit
I recently got divorced and got stuck with all the credit card debt, over $55k. Now being on a single income I'm burning through my savings account just to make the minimum monthly payments. I've never been late on a payment and have always had good credit and I don't want to file for bankruptcy, cause I'd have to do chapter 13 cause I make to much money to file for chapter 7. I looked into the credit card debt relief companies, but really don't want to go delinquent on my credit cards while they try to settle with the creditors. So, my question is, I got a phone call from a company who says they can do credit card debt dismissal. Where they get all my credit card debt completely dismissed, I guess they file some paperwork for the collection agencies who purchase my debt from the creditors stating prove that I owe what I owe and I guess the creditors don't give all that info to the collection agencies, so it gets dismissed. They also state that they get the negative marks on my credit report removed after the debt is dismissed. I obviously have to go delinquent on my cards with this program as well and would have about a $600/month payment for 30 months, compared to $1400/month for my minimum monthly payments. Have you heard of this type of company and is it legit or can debt not get dismissed like that and this company is a scam? Thanks.Troy