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Recent Reaffirmation Agreement questions

I'm in the state of, I'm getting ready to file a chapter 7

I'm in the state of Virginia, I'm getting ready to file a chapter 7 bankruptcy. The question I had is that I purchased furniture from a furniture store that offered no credit check financing provided through a third party company. I got behind on those payments and funny enough they haven't reached out to me and also I have no idea the name of that company since my payments were automatic until I switched banks. Will I have to give the furniture back (I know I'll have to get their info for the bankruptcy for list of debts matrix)? P.S.- I don't want to make up those missed payments, it's not even worth what I owe.

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Terry L.

Partner

Doctoral Degree

2,934 satisfied customers
I missed my reaffirmation hearing due to I was in the

I missed my reaffirmation hearing due to I was in the hospital having brain surgery, what can I do to fix this so they don't take my carJA: What state are you in? And are you working with a local attorney?Customer: CA and noJA: Has anything been filed in civil court? If so, what?Customer: I just got a letter saying reaffirmation was denied cause I wasn't there. The only thing filed besides that is my actual chapter 7JA: Anything else you want the lawyer to know before I connect you?Customer: I am the cosigner on my sons car and I'm afraid he will lose his car because of this, what can I do to fix this situation and get another reaffirmation hearing

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Phillips Esq.

Attorney

Juris Doctor

20,732 satisfied customers
CA. Bankruptcy question. In a BK where the debtor owns a

CA. Bankruptcy question.In a BK where the debtor owns a home owner that IS within the BK exemption rule.Would he need to fill out the reaffirmation forms?And the reaffirmation agreement with Chase bank (his lender) ?Note all of his payments to Chase are current.

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TJ, Esq.

Juris Doctor (JD)

11,622 satisfied customers
Filed a Chapter 7 in 2009 It was discharged in 9-09 A

Filed a Chapter 7 in 2009 It was discharged in 9-09 A reaffirmation was sent to a creditor who never replied . Do I still owe this bill ?JA: What state are you in? And has anything been officially filed?Customer: Arizona ..... The creditor has sent me a bill with all kinds of late fees / penalties for not paying this bill since 2009.............JA: Has anything been filed in civil court? If so, what?Customer: NoJA: Anything else you want the lawyer to know before I connect you?Customer: No

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Law Tutor, Esq.

Lawyer

Doctoral Degree

336 satisfied customers
I received your response to one of my previous questions and

I received your response to one of my previous questions and I really liked how you described the different scenarios when reaffirming the vehicle in the bankruptcy process. I wanted to ask you if it was true, if the vehicle is not reaffirmed by the judge, the vehicle payments are not reported to the credit bureaus? Also, usually what is the percentage or ratio does your monthly expenses and car payment have to be in order for the reaffirmation to be approved by the judge? TIA.

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Phillips Esq.

Attorney

Juris Doctor

20,732 satisfied customers
I wanted to know if I were to file Bankruptcy and I file to

I wanted to know if I were to file Bankruptcy and I file to reaffirm my vehicle? How likely will the judge approve of this? Also, if not approved, what happens?

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Phillips Esq.

Attorney

Juris Doctor

20,732 satisfied customers
My home was discharged in my chapter 7 back in May of 2013.

My home was discharged in my chapter 7 back in May of 2013. I did not reaffirm the loan. I sense then have remained current on mortgage payments and remain in the home. I would like to buy a new house and was wondering if it would be possible to sell my current home without any issues because it was discharged? Or would i have to contact the mortgage company? I have quite a bit of equity and worry that the lender might stop accepting my payments and foreclose on the property to sell for a profit. Thanks in advance.

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DrakeLAW

Juris Doctorate

1,076 satisfied customers
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.

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5,318 satisfied customers
Have a personal loan through loan depot was wondering if we

have a personal loan through loan depot was wondering if we could file a chapter 7 bankruptcy . They sent us a refund check in which we cashed because they said they had made an error on their part . we don't have the money to pay the loan payment. we have to make our house payment and car payment these two payments here are almost $830.00. Can you call me at(###) ###-####to see what we can do

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Christopher B, Esq.

Attorney

Juris Doctor

6,070 satisfied customers
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