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You answered my previous question about my mortgage held
You answered my previous question about my mortgage held jointly but I filed chapter 7 and did not reaffirm with the lender. You said I am all set since we continue to make payments. This led me to wo… read more
Phillips Esq.
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Chapter 7 happened in between 3 years before the 6 years was
chapter 7 happened in between 3 years before the 6 years was to expire will that extend the statue 3 more month … read more
Dwayne B.
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When did the clock start ticking on mortgage foreclosure in
When did the clock start ticking on mortgage foreclosure in FL? Can the Bank de-accelerate the mortgage in June, Year 7 (claiming $215k now due) after Federal Court already used accelerated $560k amou… read more
Attorney2020
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I have a technical Chapter 13 bankruptcy question. I have a
I have a technical Chapter 13 bankruptcy question. I have a house where a payment hasn't been made for five years. In Utah, courts have ruled the statute of limitations on debts expires after 6 years.… read more
TJ, Esq.
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Foreclosure case. Default in early 2009. Non judicial
Foreclosure case. Default in early 2009. Non judicial foreclosure failed. BK 7 discharged 2010. plaintiff files judicial foreclosure(easments etc) 2012. Violated discharge this and that. Plaintiff the… read more
Terry L.
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I am considering bankruptcy, but would like to avoid it if
I am considering bankruptcy, but would like to avoid it if possible. I have questions on Oregon's statute of limitations for non payment of debts, which I believe is 6 years. I have one debt that was … read more
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I have mortgage which have been written off and I have received
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Fritz
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I filed for bankruptcy (Chapter 7) back in 2004 in Philadelphia,
I filed for bankruptcy (Chapter 7) back in 2004 in Philadelphia, PA. One of the debts I tried to have charged off was back tuition from Scottsdale Community College (SCC) in Arizona. This debt has bee… read more
Terry L.
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I need specific advice regarding the Colorado Stature Of Limitations
I need specific advice regarding the Colorado Stature Of Limitations reg ardng HOW and WHEN it applies to a NOTE given by me along with a mortgage in 2004. when I acquired a Duplex for investment purp… read more
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California Bankruptcy Law Wife owns home that husband and
California Bankruptcy Law Wife owns home that husband and kids live in. Wife choose to include home in bankruptcy. Appears this was stupid because it accelerated bank receiving back the home. Husband … read more
TJ, Esq.
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We filed chapter 7 and finalized 2 years ago, we remained in
We filed chapter 7 and finalized 2 years ago, we remained in our condo and continued paying for last 2 years and our mortgage lender never reaffirmed debit with us. I know we can allow foreclosure wit… read more
Roger
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If a utility bill is discharged in bankruptcy and expires under
If a utility bill is discharged in bankruptcy and expires under a Statute of Limitations, can a cooperative still collect by offsetting when patronage credits are distributed twenty years later?"… read more
Brent Blanchard
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Under U.S. Bankruptcy Rules, a mortgage is NOT wiped out, obviously.
Under U.S. Bankruptcy Rules, a mortgage is NOT wiped out, obviously. What about a home equity line of credit that was listed on the outstanding debt filings? Is the home equity wiped out by the offici… read more
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In Aug. 2009, my spouse and I received a final decree of chpt.
In Aug. 2009, my spouse and I received a final decree of chpt. 7 bankruptcy. HOWEVER.... by error, our atty. included our mortgage ( through a finance company) and that too was discharged. We wanted t… read more
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In 05 I filed ch 13 without a reaffirmation of the mortagag
In '05 I filed ch 13 without a reaffirmation of the mortagage.Two weeks ago, after having missed two payments I received a notice saying," Our records show that your mortgage is in dafault. Our record… read more
Ray
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I am going to declare bankruptcy because there is no way out
I am going to declare bankruptcy because there is no way out of my debt crises. I will continue to pay my mortgage because I still need a place to live. I have a home equity loan. If I stop paying the… read more
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I have been unemployed for 20 months filed bankruptcy which
I have been unemployed for 20 months filed bankruptcy which was discharged 6/09. I can no longer make the payments on my home. Both the first and second are named in the bankruptcy. Can they come afte… read more
Terry L.
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We live in Denver, Co. My wife declared bankruptsy in in ...
We live in Denver, Co. My wife declared bankruptsy in in the fall of 2005. It was finalized in Dec. of that same year. In the backrupsy she included her town home, but she did not reafirm it. She did … read more
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Meet the Experts:

Terry L.

Terry L.

Attorney

2,720 satisfied customers

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

cortrightlaw

cortrightlaw

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

JoeLawyer

JoeLawyer

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Attorney in the practice of Bankruptcy Law since 1996

A.J.

A.J.

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Experienced consumer bankruptcy attorney.

Fritz

Fritz

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

Law Girl

Law Girl

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I am an attorney.

Paul K, Esq.

Paul K, Esq.

Attorney

141 satisfied customers

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

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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).

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