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Recent Reaffirmation questions

For vehicle that has lien, you previously stated to list the

For vehicle that has lien, you previously stated to list the vehicle and the lienholder and my intent for the vehicle. You also stated to not use the Motor Vehicle exception for the vehicle. Is their an exception that will save the vehicle other than listing my intent for the vehicle.

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Terry L.

Partner

Doctoral Degree

2,938 satisfied customers
I have 3 cars, one recently purchased that I had planned on

I have 3 cars, one recently purchased that I had planned on doing reaffirm on to continue payments, 2006 Chrysler Pacifica and I was shocked to find that Nada values it for only 500 dollars I don't understand that lol but anyway would it be best to do a reaffirm and continue payments or to try to that other thing to pay based on value? The second car belongs to my husband he still owes on the car but the car dealer is no longer their we drive pass them and it's still a car lot but a different name. So how would we go about listing that car on the bankruptcy and he doesn't want to pay the back owed amount. The third car is paid for so going using the motor vehicle exception for that one.

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Terry L.

Partner

Doctoral Degree

2,938 satisfied customers
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

2,938 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

20,788 satisfied customers
I am filing a Ch. 13 Bankruptcy. Most of my paperwork is

Hi, I am filing a Ch. 13 Bankruptcy. Most of my paperwork is ready and I just had a quick question about what files I need to bring with me to the bankruptcy courthouse the day I file:So do I just bring all of my prepared BK paperwork, including my Ch. 13 Plan, tax return from most recent year, and my certificate of completion for the pre-filing course I took? Am I missing anything - i.e. do I need to also bring them a copy of my credit report, checking account statement, OR ANYTHING LIKE THAT??? Or do I just bring all my Ch. 13 paperwork, my Ch. 13 Plan, my certificate, and copy of my tax return???

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DrakeLAW

Juris Doctorate

1,094 satisfied customers
I am filing a Ch. 13 Bankruptcy. My main debt is SECURED -

Hi, I am filing a Ch. 13 Bankruptcy. My main debt is SECURED - (a) my mortgage arrears (over $50k) and (b) car a loan. I am almost done with my BK paperwork. However, I have two quick questions:1. I just pulled up my most recent credit report and I realized that I did not list around 4-5 UNSECURED accounts which all have really small balances. I'm pretty sure a couple of these are Credit Cards with balances of only $500, but they are listed as "OPEN" on my report (obviously I completely forgot about them when I was doing my BK paperwork. So my question is, am I REQUIRED TO LIST EVERY SINGLE OPEN ACCOUNT (VIA WHAT IS LISTED ON MY CREDIT REPORT) for the BK papers? What happens if I don't? Like I said I completely forgot about them and the balances are very small. Like I said before the main reason I am doing Ch 13 Bankruptcy is because of my mortgage arrears...2. Also, is it okay that I am filing by myself and NOT jointly with my wife since my purpose is to pay off my mortgage arrears and my wife and I are BOTH on the mortgage.Thank you very much.

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WALLSTREETESQ

Attorney

Doctoral Degree

18,200 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)

11,656 satisfied customers
I live in NJ and I filed ch7. during the ch7, the bank filed

hello,i live in NJ and I filed ch7. during the ch7, the bank filed motion to foreclose my house. my house was foreclosed. i failed to my financial management course on time and my case was dismissed. now, after 6 months later, i want to ask my court to reopen my case to file my financial management class. my question is this. will my ch7 discharge my mortgage? i failed to fill out the debtor's statement of intention and i left them blank. do i have to file ch7 again instead of reopening my case to discharge my mortgage? thank you.

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Terry L.

Partner

Doctoral Degree

2,938 satisfied customers
I just got hit with a summary judgement in a foreclosure

i just got hit with a summary judgement in a foreclosure years ago i declared bankruptcy chapter 7 the lawyer listed the debt as unsecured we were still making payments on the loan the loan was never reinstated. now the opposing party is saying because the debt was admitted in bankruptcy i canot challenge the standing of the debt please help nj

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DrakeLAW

Juris Doctorate

1,094 satisfied customers
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