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Recent bankruptcy law questions
I have a financial problem. Due to a Brain Stroke and
I have a financial problem. Due to a Brain Stroke and severe/ permanent impairmentsphysical and mental, I am no longer able to take on full time employment. I now have a limited income from just Social Security and Disability. My wife also has Social Security and has entered a Ch. 13 bankruptcy for debts in her name. Her monthly payments to the trustee are also taken from my income leaving us extremely strapped at the end of each month and we won't be able to make it much longer without more relief. We explained this to the Ch. 13 attorney and Trustee but they have not offered any suggestions to help us. In the meantime, medical bills and auto repair bills are mounting.Ch. 7 is not an option because we do have property(two mortgages on it) that would be in danger. It looks like it would be a toss up for me to also go Ch. 13 or...a debt counseling arrangement. I don't know which would be tougher on my credit rating. Can you suggest the best path to take please ? I have used Just Answer before and have been pleased.
I live in FL and I am a disabled Veteran rated at 60%.
Hello I live in FL and I am a disabled Veteran rated at 60%. Is this income included with the means test for chapter 7?JA: The Bankruptcy Lawyer will need to help you with this. Please give me a bit more information, so we can help you best.Customer: Chapter 7 bankruptcyJA: Anything else I can tell the Bankruptcy Lawyer before I connect you two?Customer: No that's allJA: I'm sending you to a secure page on JustAnswer so you can place the $5 fully refundable deposit now. While you're filling out that form, I'll tell the Bankruptcy Lawyer about your situation and connect you two.
I am just reading up as a first step in a very confusing time
I am just reading up as a first step in a very confusing time for me, I just recently unexpectedly became ill, and I am off work right now, but am not going to be able to return to my current job, as of now my bills are on time but it willtake no time for me to fall behind, I havent filed for disability yet, Im on FMLA I just dont know what to do first
I need help with Bankruptcy/Protecting myself from Fraud/consequences.
I need help with Bankruptcy/Protecting myself from Fraud/consequences.I was a stable homeowner and then became disabled, trying many things to get well. Finally one day I decided to take a leap, and live off my credit cards (based on a spiritual teacher's guidance). I hoped I would recover and gain energy to pay the debt off.A series of misfortunes occurred (my new home burned down while I was in Hawaii, so I stayed in Hawaii....). I focused on writing a book based in that setting and getting my health back.Now, I've maxed out my cards $100,000K of debt, much of it the past 6 months when I moved back to the mainland. I have a serious mental health issues and was unstable (moving from place to place) for nearly 2 years before securing housing/medication.I've paid back friends and family through Paypal using credit cards...large amounts, $2K at a time, sometimes. I've paid rent, groceries, travel, etc. (not jewelry or clothes).I have no real possessions of value and very little money....would like to find an alternative to bankruptcy but barely making it on a disability income (not currently able to work).Do you recommend Bankruptcy Chapter 13 (Colorado)? How do I protect myself from charges of fraud, being asked to pay it back, court stuff, etc? Judgements?I've considered changing my phone # ***** have not given my new mailing address, but is this irresponsible/problematic?What is the best most responsible way to handle this debt?Thank you.
We have a 15,000 equity loan that we can no longer pay for
We have a 15,000 equity loan that we can no longer pay for due to illness. It now shows as a charge off. We are still paying our home mortgage though. How can we avoid legal action?JA: So many people have lost everything over the last few years. The Bankruptcy Lawyer's on JustAnswer helped me hang onto my house. Have you consulted a lawyer yet?Customer: NoJA: Please give me a bit more information, so we can help you best.Customer: We made an Equity loan when I was working in 2006. At that time a was OK. In 2009 I was diagnose with MS and after 6 years I could no longer work. My husband is also disabledJA: Is there anything else the Bankruptcy Lawyer should be aware of?Customer: We are both on a limited income nowJA: Our top Bankruptcy Lawyer is ready to take your case. Just pay the $5 fully refundable deposit and I'll fill the Bankruptcy Lawyer in on everything we've discussed. You can go back and forth with the Bankruptcy Lawyer until you're 100% satisfied. We guarantee it.
State: CACounty: Los AngelesMy bankruptcy Attorney has
State: CACounty: Los AngelesMy bankruptcy Attorney has sent my Wife an email @ 10:00 a.m this morning, stating that they want her to sign a substitution of attorney "by end of business today or they are going to file a motion to withdraw from the Bankruptcy tomorrow"I feel this is in appropriate and unprofessional.They are saying that I (husband) have been abusive to their staff. This of course is not the case. I have only tried to get information from them pertaining to the Bankruptcy Petition as I'm medically disabled and can field calls and perform some administrative tasks while my wife (Sole provider) is at work.They have refused to provide information in a timely manner and drafted a declaration for my wife that would have had her contradict herself before the bankruptcy Trustee, without sending it to her ahead of time for review before they asked her to sign it. As it is difficult to gage information provided in this manner I can provide whatever details may be necessary to provide as best an answer as possible to the following questions:1. Can my Wife's Attorney withdraw her Bankruptcy Petition without her prior approval she is scared that this may happen.2. Can we request arbitration.3. Will my Wife's attorney be required to participate in arbitration.I've contacted the CA State Bar and have been advised as to the refund complaint process. As this is literally the 11th hour for my Wife's Petition we would like to persue alternate resolutions of our issues with the Firm.
TJ I am the debtor in an adversary proceeding. The trial
Hi TJI am the debtor in an adversary proceeding.The trial is scheduled in a few weeks and my attorney dropped me two weeks ago.Other lawyers have said that he mishandled the case badly and so he did not want to go to the trial. So now I am alone. The new lawyers want forty thousand dollars to prepare for a trial.Noe the judge sent me an order to appear.Another lawyer said to get off the grid.I not know what he is talking about. I'm a student at a nearby college.What is the worse that can happen if I don't go to trial?I don't understand legalese at all.Thank you.
Law Educator Esq. only please--------- to you. Since
Law Educator Esq. only please---------Hello to you.Since you have some expertise in bankruptcy you may be able to offer some helpful information. I am not planning on filing bankruptcy but have a few concerns and have not been able to come up with a reasonable decision:I have around $13,000 in credit card debit with charges me around $278 per month in interest alone.My SSDI disability monies prohibit me from ever being able to pay down the monies. I could possibly just pay the interest $278 per month year after year.A relative left my child around $10,000 and I am wondering if I use that to pay off the debt then I will not have any liquid money in the event of an emergency. Also, the money would not be there for my child's future.I had to previously default on a different credit card because my ex did not honor his obligation and my name was on that account. As a result no other credit cards will open new accounts to me due to my high debt to income ratio and previously default.A friend told me I should take half of my kid's money to pay down the credit card interest and then still have liquid. My thought is by lowering it down I still am not in a position to ever pay it off so it goes to nothing in the long run and continues to stick around requiring lower monthly ongoing payments.If I default then I tarnish my reputation more so and can't qualify for any other credit cards for upcoming problems or medical prepays that allow me to charge in advance and get medical insurance reimbursement. The one and only credit cards I have now has helped me a lot in many ways when the doctor bills me up front and then insurance reimburses 30 days later. I would not have enough cash in the bank to cover the medicine or procedure in the meanwhile.What seems like a wise option or even one I have not thought of.Many thanks...
I am in debt. From my younger life. Now currently tryingView more bankruptcy law questions
hi, i am in debt. From my younger life. Now currently trying to pull out of the situation and about to loose everything. I have recently found out that there has been 4 loans taken out under my name that i did not take out. i really think its my mom. But the problem is i have about 30,000 in debt (not including my house 53,000 under a contract for deed). Atleast 8,000 of it not being mine. 13,000 being student loans and 8,000 being stupid. Bankruptcy? or go after my mom for that money and try to make it out by paying the debt?