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Recent bankruptcy law questions

My ex-husband is in Colorado and is filing chapter 7

My ex-husband is in Colorado and is filing chapter 7 bankruptcy. This is after he filed a chapter 13 bankruptcy 10 years agoHe has his own truck that I am not signed on and the payment is 490 a monthMy ex-husband and I have a vehicle together, he is primary I am co-signer.The vehicle is in my possession and I make the payments.He is claiming chapter 7 bankruptcy in Colorado, I am not.What will happen to the vehicle that is in both our names?Will this affect my credit?What is best to do with the vehicle keep it or get rid of it?If i don't want the vehicle can he include it in the bankruptcy?

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DrakeLAW

Juris Doctorate

 
314 satisfied customers
I filed chapter 7 bankruptcy 2 years ago this June. It was

I filed chapter 7 bankruptcy 2 years ago this June. It was discharged in December 2014. I still have the vehicle in my drive way. When does it become my property.JA: OK. The Lawyer will need to help you with this.Customer: thank youJA: Have you talked to a lawyer yet?Customer: noJA: Anything else you think the lawyer should know?Customer: simple chapter 7, no objections from creditors. this was florida by the way.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 Lawyer about your situation and then connect you two.

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Roger

Litigation Attorney

Doctoral Degree

 
32,864 satisfied customers
I just paid off the balance due on my ch 13 plan according

I just paid off the balance due on my ch 13 plan according to the amount that the trustee quoted on the record in court. A Notice of Discharge was filed. I am without an attorney, so pro se. I am preparing to file my affidavit and certificate of financial management.I have an action filed in State court regarding my mortgage and the title to my property. I am prepared to pay off my entire mortgage, but there are issues with the title that I find and have been unable to get any clear answers since 2011. I have not made but a few post petition payments that included a paying in protest letter with each and my intention to file in State court quiet title unless they can provide some valid chain of title. I have kept all $ in a private account until answers are provided by the mortgage company and things are resolved in State court.So, now I come to learn today that the mortgage service has filed a 4100r for collection of $19,400 on post-petition arrears payments. The trustees office tells me that as far as they are concerned, my plan has been completed. And, the bk clerk didn't seem concerned about the 4100r, and told me just to complete the documents to get my bk13 discharged.This affidavit is asking if I paid all required in my payment plan. Have I? According to the trustee, I paid what he said was owed on my plan, he filed a Notice of Discharge. The judge is aware of my action in State court and said on record that the BK court is very "sympathetic" to my problems with the the mortgage company.The mortgage attorneys are telling the state court judge that my plan has been dismissed, and I have corrected them several times that it was not dismissed, but discharged.IF this trustee is now telling me that "as far as we are concerned" you completed your plan, what happens with this 4100r?

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LawTalk

Attorney at Law

Juris Doctor

 
31,104 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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5,064 satisfied customers
I filed 7 in 2010. My 7 year anniversary of my discharge is

I filed for chapter 7 in 2010. My 7 year anniversary of my discharge is in March of 2017. I reaffirmed my mortgage debt in 2011. I lost my job and I am 5 months behind in my mortgage. And I am $40-$50K upside down on my mortgage. What are my options? Mortgage company says I can repay the past amount due, but that almost doubles my payment for the next 6 months. HELP!

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Roger

Litigation Attorney

Doctoral Degree

 
32,864 satisfied customers
We filed 7 and the house was included but

Hello. We filed for chapter 7 and the house was included but Chase bank did not want to reaffirm. We have been paying to live in it for the past 3 years. We went for a FHA mortgage but we can't get one because our names are ***** ***** the deed to the house we have been living in. So how do we get our names off the deed so we can buy the house we love? Thank you

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

 
104,310 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

 
4,782 satisfied customers
I have a creditor, I am referring to schedule e/f in

I have a creditor, I am referring to schedule e/f in bankruptcy, if I have a creditor, a collection agency who is suing me. my original debt was for $10,000 and they have added fees and interest and they are suing me for $21,000 my question is should I add them only to part 3 of schedule e /f? Or should I add them to part 2 and part 3 (which is what I did). I have the original debt, which was sold, listed in part 2 already.

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Terry L.

Partner

Doctoral Degree

 
2,832 satisfied customers
If you sign a reaffirmation on your vehicle in a chapter 7,

If you sign a reaffirmation on your vehicle in a chapter 7, can the trustee take it?

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TJ, Esq.

Juris Doctor (JD)

 
10,238 satisfied customers
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