I have the following debts: 42,000 student loan (Feds)
I have the following debts:42,000 student loan (Feds)14,000 car loan12,000 signature loan26,000 credit cardsI've been unemployed 5 monthsAssets:22,000 in pension account600 in Series e savings bonds2000 in stock and bonds account3200 in 401k1000 cashI do receive 1,900 in unemployment benefits a month but that will run out in 2 monthsIs it as hopeless as I feel it is? Should I file for bancruptcy now?
On 5/19/2008 I filed a chapter 13 bankruptcy and converted
On 5/19/2008 I filed a chapter 13 bankruptcy and converted it to a chapter 7 in 7/2011 and was discharged in 11/2011.How long do I need to wait before I can file another chapter 7 bankruptcy?I have been told 8 years from the file date of the chapter 13 was filed (5/19/2008) by one attorney and another attorney told me 8 years from the chapter 7 discharge date (11/2011).
Chapter 13 bankruptcy, I have 10% title interest in each of
HelloFor a chapter 13 bankruptcy, I have 10% title interest in each of 3 single family homes. I am not on any of the loans just only my mother is. To calculate if I am not over the chapter 13's 1.1 million dollars rule for assets , do I add up my interests in all of the properties or do I add up the loan amounts on each property of which I am not on? Thanks
I am in NM I want a bankruptcy atty to walk me through the
I am in NMI want a bankruptcy atty to walk me through the process of deciding if my Sales Tax debts are dis-chargeable. I filed a Chapter 11 in 11/2007 and at the time I had a lot of unfiled and unpaid gross receipts taxes. As part of the Bankruptcy I filed all returns. They were all filed by January 2008. I kept current on all returns and payments going forward.My plan was confirmed in March of 2011.My atty filed a motion to close the Case on May of 2011.I paid something like $ 200,000 to the state of NM over the following 18 months.I filed another Chapter 11 in April of 2014.Question 1.Does the three year rule run from the day the plan was confirmed in March of 2011 or does it run from May of 2011 when the case was closed.Chapter 11 number 2 fell apart, the trustee moved to have it converted to a Chapter 7. I didn't go to creditor's meetings and the Chapter 7 was dismissed in August of 2014.At this point the State of NM is still after me for $ 100,000 in unpaid taxes, which were part of the returns I filed in January 2008. And they are also trying to collect $ 200,000 in penalties and interest.Question 2If I file a new Chapter 11 will I be able to discharge all of the aforementioned debts.Question 3Part of the NM State Constitution says that the State is Forbidden from forgiving debt. Does federal bankruptcy law trump, NM State Constitution.Question 4Any ideas on how to get the state to discharge debt without forcing me to file a chapter 11.
Looking at my options to file ! : No. I was just doing
Looking at my options to file for bankruptcy!JA: The Bankruptcy Lawyer will need to help you with this. Have you consulted a lawyer yet?Customer: No. I was just doing research on it firstJA: Please tell me everything you can about this issue so the Bankruptcy Lawyer can help you best. Please give me a bit more information, so we can help you best.Customer: I have over 19,000 dollars in credit card debt, student loans, personal loans, I recently bought a house with my ex and I am no longer living there so I go a place I could not afford and started paying bills and using my credit cards for help, now I am struggling paying it back and falling behind on rent and car psymentsJA: OK. The Bankruptcy Lawyer will need to help you with this. Is there anything else important you think the Bankruptcy Lawyer should know?Customer: Like?JA: OK. Got it. 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 then connect you two.
You assisted me on my litigation/loan question. If a
Hello, you assisted me on my litigation/loan question. If a different attorney is looking at this question, please see my prior question and answer or ask me and I will give details. I am concerned about doing the $50,000 loan and security agreement so I would rather make it smaller. About half of this is my truck, so I want to eliminate it from the loan and figure out a different way to deal with the truck. It has a value of $20-25K. Is there a work related judgment exemption that would allow me to keep the truck? Or if you have any other ways to keep the truck from being taken, please let me know
I filed a civil action in FL county court (not small claims)
I filed a civil action in FL county court (not small claims) on 9/10/15; and found out afterward the party I was suing filed Ch-13 a few weeks before (8/13/15). After being served with my summons, he amended the schedules of his Ch-13 creditor lists to include me (9/20/15), but by the time all this happened, the first meeting of the creditors had already occurred, and the deadline to object to confirmation had also passed. Confirmation Hearing is scheduled for 11/12/15. Proofs of Claim due by 12/15/2015.QUESTION:Under Federal Bankruptcy Law, for Ch-13, what is a late entering pro se creditor required to do to make an appearance and proffer a proof of claim and then pursue a motion for relief of stay to pursue the county case, or is it too late to get involved?
I HAVE A CHAPTER 13, HAVE BEEN PAYING THE FULL TERM,
I HAVE A CHAPTER 13, HAVE BEEN PAYING FOR ALMOST THE FULL TERM,WE REC'VD A LETTER FROM THE BK COURT STATING THAT SANTANDER IS FILING A DEFICIENCY CLAIM.. (THIS WAS ON A TRAVEL TRAILER THAT WAS PICKED UP BY THEM OVER A YEAR AGO. WE HAD MADE SEVERAL ATTEMEPTS FOR THEM TO PICK IT UP WHEN WE FILED THE BK? COURT SAYS WE CAN DISPUTE IT. I NEED TO KNOW WHAT TO DO NEXT? CAN YOU DRAFT UP A LETTER, DO WE HAVE TO GO TO COURT, IS THERE DOUMENTS WE FILE WITH THE COURT?