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Recent Reaffirmation questions

My house was listed in bankruptcy (chapter7) after discharge

My house was listed in bankruptcy (chapter7) after discharge I tried to save my house through fha but went out of work for rotator cuff surgery. I made my trial payments through money lent by family but I went back to work at a much lower pay (17 dollars an hour less)and couldn't afford the new payments through fha. My question is because I am walking away from the house is my house still under the bankruptcy?

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Barrister

Attorney/Landlord/Realtor

Doctoral Degree

53,986 satisfied customers
My bankruptcy was discharged in 2016 the lender never

My bankruptcy was discharged in 2016 the lender never reaffirmed the loan, there was a 800 balance and after bankruptcy it showed a zero balance...last nite the car was repoed, what is my course of action to get it back?JA: What state is this in? And how old is the car?Customer: ga 2002 excaladeJA: Has anything been filed or reported?Customer: filed or reported to whom?JA: Anything else you want the lawyer to know before I connect you?Customer: I thought it was stolen, called police and they gave me the repo information

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TJ, Esq.

Juris Doctor (JD)

11,984 satisfied customers
I declared bankruptcy in 2014 and kept my car but did not

I declared bankruptcy in 2014 and kept my car but did not reconfirm the loan. Just made payments. In 2015 a truck hit me from behind and the insurance company gave me $1700 to fix the car which I did not. The car has 158,000 miles on it and now I want to turn it back into the bank ( which they agreed to come pick it up but they do not know about the $1700 of damage). Will I have to pay the bank the $1700 or since the car is not worth anything due to the high mileage now ( KBB estimates about $500 worth - its a 2013 - even before the damage it was only worth KBB approx. $1000) will they just call it a day and sell it for scrap? I live in NJ btw.JA: What state is this in? And how old is the truck?Customer: NJ and it is a car - 2013 with 158,000 miles. It was brand new when I bought it.JA: Has anything been filed in civil court? If so, what?Customer: No. The car was included in the bankruptcy and I did not reconfirm the loan. Just made the payments. I just called the bank yesterday to arrange pick-upJA: Anything else you want the lawyer to know before I connect you?Customer: I just got approved to buy a used car through a different bank and I am supposed to pick up the vehicle tomorrow. Ok

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DrakeLAW

Juris Doctorate

1,400 satisfied customers
I have a house that was included in a chapter 7 in 2009, it

HelloJA: Hello. What seems to be the problem?Customer: I have a house that was included in a chapter 7 in 2009JA: Because real estate law varies from place to place, can you tell me what state this is in?Customer: it was not reaffirmed IndianaJA: Has anything been filed or reported?Customer: noJA: Anything else you want the lawyer to know before I connect you?Customer: I want to know what the impact will be on my credit if I let the house go back to the bank

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TJ, Esq.

Juris Doctor (JD)

11,984 satisfied customers
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

2,996 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

2,996 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

2,996 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

22,204 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

1,400 satisfied customers
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