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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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I am reading over the answer you gave me yesterday about bankruptcy

I am reading over the answer you gave me yesterday about bankruptcy exemptions and I just wondered if that is for both chapter 7 and 13?

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Terry L.

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Doctoral Degree

 
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My ex-husband filed a Chapter 13 and is claiming he owes me

My ex-husband filed a Chapter 13 and is claiming he owes me $14,500 in arrears spousal support. He actually owes me $26,176.65. I got the notice yesterday after being out of town and the objection is due tomorrow. I think I can do it myself with a bit of guidance as I'm handling my 8 year long divorce (still going on) by myself.I can fill out forms and do service etc. I've already done lots of that. I just need to know what the correct procedure is for doing it.

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LawTalk

Attorney at Law

Juris Doctor

 
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I received a letter from the Department of treasury bureau

I received a letter from the Department of treasury bureau of the fiscal service. They are trying to collect on a debt of $427,697. This appears to be from a personal guarantee on an SBA loan I borrowed in 2001. The business file Chapter 11 bankruptcy in 2006 and submitted a plan of reorganization in 2008. We were in bankruptcy for over two years while fighting a lawsuit against a franchisor that shut us down.This is the first I've heard from the SBA. The stating if I do not pay or respond, they will garnish my wages.There is a list of items that discuss my rights.I am self-employed, and not sure of my downside by calling them.I'm not sure I even have a very specific question other then should my first step be calling them? Also any advice on talking with them?I never did file personal bankruptcy as I did not have enough assets for them to go after.

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

 
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We filed suit against a debtor...not knowing they were already

We filed suit against a debtor...not knowing they were already in bankruptcy. A suggestion of bankruptcy was never filed, and the case sat and is still opened. however, about a month or so after filing suit, the bankruptcy issued the final account and was discharged. Therefore, if the company is no longer in bankruptcy and the company shows "active" on the SOS..can we move forward and get a judgment on them?

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Terry L.

Partner

Doctoral Degree

 
2,832 satisfied customers
What does the law state about a private school loan included

What does the law state about a private school loan included in a Chapter 13 bankruptcy if the debtor receives payments through the repayment process of the bankruptcy:1> At the conclusion of the repayment process is the debt considered 'closed' or 'finalized' (I'm sure there is a legal term but I can't think of it)?2> Is it legal for the bank to continue legal action against the borrower?3>If the bank may continue legal action will the statue of limitations start to toll when the borrower makes his/her last payment or when the court trustee makes the last payment?FYI - BK filed in 2006

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Ely

Counselor at Law

Juris Doctor

 
62,222 satisfied customers
Chapter 13 JA: Thanks. Can you give me any

***** ***** Chapter 13 JA: Thanks. Can you give me any more details about your issue? Customer: I am 2 years into my Chapter 13 repayment plan. The bank foreclosed on the house and cancelled the debt. On my Chapter 13 statement it shows the mortgage arrears as closed with 0.00 principal due. It was the last thing open on the statement, all creditors have zero principal due. The statement also shows Funds on hand at over $5000.00.What should I do? Am I required to continue making the payments even though there nothing for the payments to go against? If I continue making the payments do I get what is over paid back as a refund? JA: OK got it. Last thing — Bankruptcy Lawyers generally expect a deposit of about $18 to help with your type of question (you only pay if satisfied). Now I'm going to take you to a page to place a secure deposit with JustAnswer. Don't worry, this chat is saved. After that, we will finish helping you.

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Terry L.

Partner

Doctoral Degree

 
2,832 satisfied customers
This took place in NY.I live in PA now but she is still in NY. I have a written signed (no

This took place in NY.I live in PA now but she is still in NY. I have a written signed (not notarized but she added her own words too so its clear it was between both parties) letter of repayment from my ex for items I paid for that would be paid back plus interest once she got her disability. she got the disability but the lump sum of cash was all taken away to repay student loans.My credit score is 512 last time I checked and my total debt is about $15,000 ($,3000 student loans). I seem to have two choices, either file bankruptcy or sue my ex and, assuming I win, my debt drops downs to around $7,000 - student loans included. (it would be very very difficult but I believe I could manage to repay that with help. of course with the debt collector fees and attorney fees who knows what the final price will be.My question is; despite future issues of bankruptcy is it wiser for my financial future to forgetting about sueing my ex, get a fresh start and file bankruptcy?

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Terry L.

Partner

Doctoral Degree

 
2,832 satisfied customers
Mu issue, I filed three bankruptcy petitions all which have

Mu issue, I filed three bankruptcy petitions all which have not gone to a meeting of creditors, nor hearing, nor entered into an established repayment plan and I want to get them removed from my credit report. JA: Thanks. Can you give me any more details about your issue? Customer: According to my CR, the bankruptcies are listed as non-discharged, Open or dismissed...I filed but failed to pay the prescribed filing fee, I hadn't received the credit counseling required, the other the case was not confirmed. JA: OK got it. Last thing — Bankruptcy Lawyers generally expect a deposit of about $18 to help with your type of question (you only pay if satisfied). Now I'm going to take you to a page to place a secure deposit with JustAnswer. Don't worry, this chat is saved. After that, we will finish helping you.

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Terry L.

Partner

Doctoral Degree

 
2,832 satisfied customers
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