Bankruptcy Law

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I have two separate legal questions: BOTH concern debt but
I have two separate legal questions: BOTH concern debt but one concerns Bankruptcy laws--specifically BK debt and an atty responsibilities if I file chapter 7. 1) If I file chapter 7 and I ask the att… read more
Terry L.
Terry L.
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Doctoral Degree
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My only income since 4/2012 is from my SSDI benefits. A bank
My only income since 4/2012 is from my SSDI benefits. A bank levy was placed against my bank account to collect the HOA debt. I understand SS 207 protects me from this happening. The bank (BAC) debite… read more
Maverick
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In August 2012, we filed 7 BK. Went through the whole
In August 2012, we filed for Chapter 7 BK. Went through the whole process Pro Se and at the end did not file the Financial Mgmt. Course Certificates. The case shows "Discharge Withheld, Failure to Fil… read more
mmdesq
mmdesq
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Would my 86 yr old mother be judgement proof if I decided to
Would my 86 yr old mother be judgement proof if I decided to file chapter 7 bankruptcy? I signed my name to an elder care in home service for 24/7 care in the home for my dad after he was released fro… read more
TJ, Esq.
TJ, Esq.
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Im working on settling credit card debt. Citicards said to
I'm working on settling credit card debt. Citicards said to deal with citicards NCO financials. How can I tell if the debt is sold or NCO is citicards agent? I want to settle and I can get a loan from… read more
John A. Flynn, Esq.
John A. Flynn, Esq.
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Mother added her sons name in her credit card acct. a few
Mother added her son's name in her credit card acct. a few yrs. back after opening acct. to help her son build credit.Now she is filing for BK 7 . 1) Can she call up creditor to remove her son's name … read more
cfortunato
cfortunato
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I have two checking accounts (two different credit unions).
I have two checking accounts (two different credit unions). Both accounts provided privilege checking which would allow me to overdraft the account by $500 and $750, respectively, and not incur a fee … read more
KUMI95
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I am recently divorced and gave the marital residence in which
I am recently divorced and gave the marital residence in which I am co-debtor back to my ex-husband. In the Decree it was stipluated that if my ex could not re-fi by June of 2012 the hosue is to be pu… read more
cfortunato
cfortunato
J.D.
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My chapter 7 was discharged on 4/28/11. My timeshare was not
My chapter 7 was discharged on 4/28/11. My timeshare was not listed and monthly payments are still being taken out. (I didn't realize because it is going out of my husband's business acct). The timesh… read more
cfortunato
cfortunato
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My employer cut overtime 1st of the year resulting in over
My employer cut overtime 1st of the year resulting in over $1000/mo net pay and am due to lose $1592/mo in soc sec benefits for my 18 yr old HS senior in May. I will have approx $700 more per month in… read more
cfortunato
cfortunato
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Hello, I am a bk attorney in Illinois, and I have a situation
Hello, I am a bk attorney in Illinois, and I have a situation that I have not encountered before. My client filed for Ch. 7 bk w/no problems, and listed her cell phone contract under executory contrac… read more
Phillips Esq.
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I am in Texas, filing Chapter 7, so any answers, please have
I am in Texas, filing Chapter 7, so any answers, please have experience in this state. My house was in loan modification review with Chase here in Austin, TX, at the same time it was in foreclosure se… read more
FiveStarLaw
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Hi! I work for a credit card company. My income has gone
Hi! I work for a credit card company. My income has gone down significantly and need to file BK. I have several credit cards that will be included in this BK, probably CH 13. One is from the company I… read more
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i have 25000 in credit card dept i live on social securty but
i have 25000 in credit card dept i live on social securty but have money in a ira what happens if i stop making payments can they go after my ira… read more
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If I qualify and file a personal Chapter 7 BK, what are my
If I qualify and file a personal Chapter 7 BK, what are my obligations to my mortgage co? During the course of the BK, am I able to not make payments, and then what happens? Approx. one year ago, my h… read more
JoeLawyer
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i am in bk 13 right now . every month for the last 6 month
i am in bk 13 right now . every month for the last 6 month the irs had been filing a motions to convert it chapter 7. the judge is tried of hearing it.we are 14 month away from our 5 year and out of b… read more
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Im planning to file Chapter 7 or 13 with out my spouse. Net
I'm planning to file Chapter 7 or 13 with out my spouse. Net monthly income $4,790 (includes wife's net $$$) Monthly expenses $5,258 Deficit - $468 Total unsecured ccs' balance is $26,300 that I want … read more
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we currently have credit card debts as well as checking account
we currently have credit card debts as well as checking account and safe deposit box a bank of america we have heard that they can attach all accounts and belongings if we file bankrupsey plus we are … read more
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Meet the Experts:

Terry L.

Terry L.

Attorney

2,760 satisfied customers

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

cortrightlaw

cortrightlaw

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513 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

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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.

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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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