I went thru a bankruptcy and it was finalized a year ago
I went thru a bankruptcy and it was finalized a year ago February. I had arranged with my insurance agent, that when money in escrow ran out to pay it he was to take it out of my checking. The mortgage bank somehow, without my knowledge, stepped and paid the whole year in full. They also went into my house (I had sent them a letter with the keys, saying I had moved out, all utilities shut off and was not coming back since I was moving out of state), and filed claims for water damage to my insurance company. When I called to find out who filed these claims and who was in my house (since it is still in my name) the agent told me the bank. After speaking to him I got a notice cancelling my insurance, since the house was empty. Then I received a check for the remaining months on the insurance. I told him to send it to the mortgage bank, it's their money. He said they couldn't because it's my insurance! SO...can I cash the check and keep the money or shred it or cash it and send it to the mortgage bank? I'm afraid if I cash it they will try to sue me for the money. (The house is in Pennsylvania). Can you please advise?
I filed a chapter 13 back in 2011 on a 60 month plan. the
i filed a chapter 13 back in 2011 on a 60 month plan. the whole reason for having to file it was about $50k IRS debt that the interest and penalties were accruing so fast on it could never be paid. now im a few months from discharging it and i get a letter from the irs saying i still owe them $37k of that debt!! i looked at the plan and it states under IRS that 50k was scheduled, but only $13k is listed as claimed and that 13k has been paid 100%. so my questions are 1. what is the differance between scheduled and claimed 2. can the irs continue to claim debt that was part of a chapter 13 that was fully paid? isnt that the whole point of bankruptcy? to allow debtors to fully discharge their debts in 60 months and then start over?
I have a personal residence where my wife and I live. It has
I have a personal residence where my wife and I live. It has the following liens:First mortgage of approximately 725,000Second Mortgage of approximately 200,000Judgment lien of approximately 500,000Third mortgage of approximately 200,000The home is probably worth 750,000 on a good day, which is about the same as its valuation for property taxes. In Utah the homestead exemption for both my wife and me is 60,000.Recently I received a notice of default on the third mortgage, which is junior to the first three liens above. Can you help me understand what happens if the third mortgage exercises its power of sale. Does the homestead exemption come into play at all in this scenario? Does the third mortgage holder have to bid enough to cover the three superior liens, and so forth?
The State of California FTB is still chasing me for money
The State of California FTB is still chasing me for money they say I owe from 1995 - 21 years ago. I filed bankruptcy twice in CA just to get rid of this and it still chases me. I haven't lived in CA since 2003 and on a couple of occassions and without warning they have taken money from a USAA savngs account. I've avoided having my name on any property and wondering if I did would they put a lien on my property? What if anything can be done to either make the FTB go away or should I even have my name on a piece of property?JA: Because real estate law varies from place to place, can you tell me what state this is in?Customer: TXJA: Has anything been filed or reported?Customer: No as I have my name on nothing right now but we are buying a house and were contemplating putting both our names on it until the latest FTB notice arrived a couple of days agoJA: Anything else you want the lawyer to know before I connect you?Customer: no
Bankruptcy question. • An unlawful Detainer action is
Bankruptcy question.• An unlawful Detainer action is currently in play.• One of the Defendants in the eviction was in a bankruptcy before the filing of the UD. Took place.• The Bankruptcy has just closed.1.) QUESTION: Even though the BK has now expired the Defendant can still bring a motion inthe UD court to dismiss the UD case base on the fact that it was filed during the time that the Defendant was in a BK. CORRECT?2.) ALSO even if Plaintiff was not advised of the BK, the UD would still need to be dismissed? CORRECT?
Its not really a bankruptcy question. Its more on
its not really a bankruptcy question. Its more on garnishments and judgments. Is Mr. Terry still the right lawyer to talk to?JA: What state are you in? And has anything been officially filed?Customer: Arkansas. and yesJA: Have you talked to a lawyer yet?Customer: nobody open on the days im available. I live in rural arkansas and we literally have 2 lawyers. One is half deaf :/JA: Anything else you think the lawyer should know?Customer: Does Mr Terry deal with garnishments & judgements or?