Bankruptcy Law

Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.

Ask a Lawyer,
Get an Answer ASAP!

Bankruptcy Law

My mom filed for bankrupcy in 2010 it was discharged Nov. 26,

Customer Question
2010. I am the...
My mom filed for bankrupcy in 2010 it was discharged Nov. 26, 2010. I am the primary on my home morgage, and my mom is the Co-Borrower. I wanted to refinance my home but was told that due to my mothers bankrupcy, she needed to reafirm the loan. We have requested the reafirmation papers several times from the bank and am now being told that the loan needs to be in "active" bankruptcy what do I do?
Submitted: 5 years ago.Category: Bankruptcy Law
Show More
Show Less
Ask Your Own Bankruptcy Law Question
Answered in 5 minutes by:
4/3/2012
Bankruptcy Lawyer: Terry L., Attorney replied 5 years ago
Terry L.
Terry L., Attorney
Category: Bankruptcy Law
Satisfied Customers: 2,914
Experience: Better Business Bureau. 18yrs bankruptcy experience. Chicago Bar Assoc. American Bankruptcy Institute member.
Verified

Terry L. :

Hi, thanks for your question. You should hire a lawyer for specific legal advice. No attorney client relationship is created here.

Terry L. :

Reaffirmations must be filed while the case is active.

Ask Your Own Bankruptcy Law Question
Ask Terry L. Your Own Question
Terry L.
Terry L.
Terry L., Attorney
Category: Bankruptcy Law
Satisfied Customers: 2,914
2,914 Satisfied Customers
Experience: Better Business Bureau. 18yrs bankruptcy experience. Chicago Bar Assoc. American Bankruptcy Institute member.

Terry L. is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises!

Gary B.Edmond, OK

My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer.

EricRedwood City, CA

I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight.

MichaelWichita, KS

PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent.

Three H.Houston, TX

Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!!

ElaineAtlanta, GA

It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem.

TonyApopka, FL

Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help.

Mary C.Freshfield, Liverpool, UK

< Previous | Next >

Meet the Experts:

Terry L.

Terry L.

Attorney

2,914 satisfied customers

Better Business Bureau. 18yrs bankruptcy experience. Chicago Bar Assoc. American Bankruptcy Institute member.

cortrightlaw

cortrightlaw

Attorney

511 satisfied customers

Attorney practicing Bankruptcy Law including Chapter 7, Chapter 11, Chapter 12, and Chapter 13.

JoeLawyer

JoeLawyer

Attorney

376 satisfied customers

Attorney in the practice of Bankruptcy Law since 1996

A.J.

A.J.

Attorney

262 satisfied customers

Experienced consumer bankruptcy attorney.

Fritz

Fritz

Attorney

209 satisfied customers

Florida attorney with extensive experience in Chapter 7 and Chapter 13 consumer bankruptcy cases

Law Girl

Law Girl

Attorney

153 satisfied customers

I am an attorney.

Paul K, Esq.

Paul K, Esq.

Attorney

141 satisfied customers

10 years Exp., Great customer service, Prompt responses.

< Previous | Next >

Related Bankruptcy Law Questions
Can i file a cap 13 to save my home when I've already filed
can i file a cap 13 to save my home when I've already filed a cap 7 and it was discharged 2015? also, we surrendered the property during this process … read more
INFOLAWYER
INFOLAWYER
Partner
Doctoral Degree
56,271 satisfied customers
What happens i file chapter 7 bankruptcy and judge denies my
What happens i file chapter 7 bankruptcy and judge denies my reaffirmation agreement...will they repo my car or will the co signer be able to keep it… read more
Phillips Esq.
Phillips Esq.
Attorney
Juris Doctor
45 satisfied customers
What happens i file chapter 7 bankruptcy and judge denies my
Second opinion] What happens i file chapter 7 bankruptcy and judge denies my reaffirmation agreement...will they repo my car or will the co signer be able to keep it… read more
DrakeLAW
DrakeLAW
Juris Doctorate
975 satisfied customers
I am struggling with the math for a foreclosure after
Second opinion] Hi - I am struggling with the math for a foreclosure after bankruptcy - I am behind on my mortgage and HELOC payments and after CH 7 Bankruptcy will face strict foreclosure (was grante… read more
Terry L.
Terry L.
Attorney
2,914 satisfied customers
I am in Chapter 13 now and have a car payment. My mom is
I am in Chapter 13 now and have a car payment. My mom is getting me a car and need to know how to go about getting rid of my car … read more
Roger
Roger
Litigation Attorney
Doctoral Degree
26,868 satisfied customers
I filed Chapter 7 in county, NV. I had my 314 meeting last
Hi, I filed Chapter 7 in clark county, NV. I had my 314 meeting last month. I currently have a leased car, that I've been approved for reaffirmation from the court. My bankruptcy has not been discharg… read more
Phillips Esq.
Phillips Esq.
Attorney
Juris Doctor
45 satisfied customers
Rescinding a reaffirmation You've helped with this before
Rescinding a reaffirmation You've helped with this before but I'll give a quick update. 2000 behind on payments with 3000-6000 equity (depending on who you ask) ProSe for Reaff only, dealing with Asce… read more
Terry L.
Terry L.
Attorney
2,914 satisfied customers
Regarding my chapter 7 ProSe on the Reaffirmation $2000
Regarding my chapter 7 ProSe on the Reaffirmation $2000 behind on payments, $6000 equity in car Obviously, we don't want to be Repo'd with all that equity.My husband went to the reaff hearing today an… read more
Terry L.
Terry L.
Attorney
2,914 satisfied customers
Regarding my chapter 7 Reaffirmation hearing tomorrow,
Regarding my chapter 7 Reaffirmation hearing tomorrow, husband is going without me. $2000 behind on payments, 6000 equity in car. When I try to talk to the people at "ascension capital" who do Cap1's … read more
Phillips Esq.
Phillips Esq.
Attorney
Juris Doctor
45 satisfied customers
I have to work on the day of the reaffirmation hearing. We
I have to work on the day of the reaffirmation hearing. We homeschool and are having a hard time finding daycare for a (very quiet and well behaved) 9 year old. Can we bring him? Maybe plug him into a… read more
DrakeLAW
DrakeLAW
Juris Doctorate
975 satisfied customers
I have asked you questions in the past but I will try to
I have asked you questions in the past but I will try to start fresh because I'm sure you get a ton of questions... My husband is attending a reaffirmation hearing alone and he is nervous. This is a c… read more
DrakeLAW
DrakeLAW
Juris Doctorate
975 satisfied customers
We filed chapter 7 bankruptcy in California with the intent
We filed chapter 7 bankruptcy in California with the intent on reaffirming the car.We are 90 days out with a report of no distribution and "awaiting discharge" on Pacer.We have $6000 equity in the car… read more
DrakeLAW
DrakeLAW
Juris Doctorate
975 satisfied customers
This is a Chapter 7 case. The Debtor signed a reaffirmation
This is a Chapter 7 case. The Debtor signed a reaffirmation agreement less than 60 days ago and now wants to rescind it...the case is about to close, discharge was ordered but case is open for adminis… read more
Terry L.
Terry L.
Attorney
2,914 satisfied customers
Well I had to file bankruptcy and I kept my automobile out.
well I had to file bankruptcy and I kept my automobile out. My atty did a reaffirmation to lender. Now almost 8 months later my lender changed the terms of said loan without my knowledge starting back… read more
Ray
Ray
Lawyer
Doctoral Degree
30,854 satisfied customers
I listed my auto financial on my bankruptcy. There was $1100
I listed my auto financial on my bankruptcy. There was $1100 left on the balance. I don't know why they hadn't repossessed the vehicle prior to my BK because of lost job i had not paid them for months… read more
Terry L.
Terry L.
Attorney
2,914 satisfied customers
After a Chapter 7 Bankruptcy, an Equity loan was reaffirmed,
After a Chapter 7 Bankruptcy, an Equity loan was reaffirmed, but only by the husband. The wife never signed. Does this mean that the loan company now has lost consent? In her not reaffirming the loan … read more
Law Educator, Esq.
Law Educator, Esq.
Attorney At Law
Doctoral Degree
244 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 car … read more
Phillips Esq.
Phillips Esq.
Attorney
Juris Doctor
45 satisfied customers
I filed BK 7 ,in Chicago IL.I signed a Reaffirmation
I filed BK 7 ,in Chicago IL.I signed a Reaffirmation Agreemnet for my car.I see that it shows on my BK file. But I changed my mind and I would like to cancell/Rescind the Reaff Agreement. Whats the pr… read more
Phillips Esq.
Phillips Esq.
Attorney
Juris Doctor
45 satisfied customers

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

Show MoreShow Less

Ask Your Question

x