Bankruptcy Law

Bankruptcy law questions? Ask a bankruptcy lawyer.

Ask a Lawyer,
Get an Answer ASAP!

This answer was rated:

I don't know what to do. iam ssdi. I was with family. That…

I don't know what to...
I don't know what to do. iam ssdi. I was with family. That has changed. I have to look for a place to sleep. I have around $30000.00 in credit card bills. Some are iam but some your opened by my son. I could not turn him in. I have been paying the payments out of my ssdi. I wont be able to starting next month. What should I do. Pay some and who? I have at least 10 cards. I guess I need to know what to do.I live in Fredericksburg VA. My son tansfered his car into my name.He could not pay his personal proptery tax. My son has a major heron problem. My wife makes 65000.00 a year. She had credit cards in her name. We pay min. she proubly has 20000.00 in bills. House payment is in her name. She owns a 2007 buick. She is broke also. We have a couple of hundred left for food and tv phone propane electric home owner dues on and on.
Show More
Show Less
Ask Your Own Bankruptcy Law Question
Answered in 28 minutes by:
3/8/2018
Law Educator, Esq.
Category: Bankruptcy Law
Satisfied Customers: 125,802
Experience: Attorney At Law handling education matters.
Verified

Thank you for your question. I look forward to working with you to provide you the information you are seeking for educational purposes only.

I am sorry, but what is your specific question for us about this?

Ask Your Own Bankruptcy Law Question
Customer reply replied 4 months ago
Do I pay some companies And other not? I don't have enough money to pay all. Iam in the red next month. . Iam up to date right now. Things change next month. I cant pay all crediters. What are my options.

Thank you for your reply.

If you have no seizable assets and are on SSDI or retirement funds, then you are judgment proof, meaning there is nothing the creditors can take from you. They cannot take SS or retirement or disability funds from you. So if they sue you there is nothing they can get from you.

As such, you can likely settle some of the debts and ignore the others or pay some of those who are willing to negotiate and tell the other companies to sue you and that as you are judgment proof there is nothing they can collect from you.

I would call the creditors and negotiate with them and offer them minimal payments (maybe 20 cents on the dollar you owe) and see if you can resolve them that way and if not, if you do not pay them there really is nothing they can get from you. They can take the home if it was in your name, but it is not, the car would be exempt as well.

Please do not forget to leave positive feedback by clicking on the 5 stars at the top of your page, as the experts are not employees of the site and get no credit for spending time with customers unless they leave positive feedback. Thank you.

Ask Your Own Bankruptcy Law Question
Customer reply replied 4 months ago
How would these setting report to transunion. Will this be had over my head for ever. Maybe get car get a car in future.

Thank you for your reply.

You need to contact the creditors, they will still report to the credit bureaus I am afraid and your credit score will still reflect the bad credit for up to 7 years, no different than if you filed bankruptcy.

Ask Your Own Bankruptcy Law Question
Customer reply replied 4 months ago
My name is ***** ***** not the mortage. Could they take the house or car then co signer on a truck. I will leave you tip.

Thank you for your reply.

If your name is ***** ***** deed, then your home could potentially have a lien on it, but because your wife's name is ***** ***** the home, they cannot infringe on her ownership rights so they cannot take the home.

Your car would likely be exempt from them taking the car.

Law Educator, Esq.
Category: Bankruptcy Law
Satisfied Customers: 125,802
Experience: Attorney At Law handling education matters.
Verified
Law Educator, Esq. and 87 other Bankruptcy Law Specialists are ready to help you
Ask your own question now
Customer reply replied 4 months ago
i am on a 2nd mortage. Is that a problem
No it would not be a problem. It does not change the above answer
Ask Your Own Bankruptcy Law Question
Customer reply replied 3 months ago
My name is ***** ***** second mortgage. The first is in her name only. I don’t how much Equity may be in the home.
Customer reply replied 3 months ago
If there is equity would that be divided between my wife and myself. With my half of the equity be liable
Customer reply replied 3 months ago
this would only happen after the home has sold.

Thank you for your reply.

It does not matter whose name is ***** ***** mortgage, it matters whose name is ***** ***** deed.

Ask Your Own Bankruptcy Law Question
Was this answer helpful?

How JustAnswer works

step-image
Describe your issueThe assistant will guide you
step-image
Chat 1:1 with a bankruptcy lawyerLicensed Experts are available 24/7
step-image
100% satisfaction guaranteeGet all the answers you need
Ask Law Educator, Esq. Your Own Question
Law Educator, Esq.
Law Educator, Esq.
Law Educator, Esq., Attorney
Category: Bankruptcy Law
Satisfied Customers: 125,802
125,802 Satisfied Customers
Experience: Attorney At Law handling education matters.

Law Educator, Esq. 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

2,720 satisfied customers

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

cortrightlaw

cortrightlaw

Attorney

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

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
I don't know what to do. iam ssdi. I was with family. That
Second opinion] I don't know what to do. iam ssdi. I was with family. That has changed. I have to look for a place to sleep. I have around $30000.00 in credit card bills. Some are iam but some your op… read more
Phillips Esq.
Phillips Esq.
Attorney
JD
20,141 satisfied customers
We filed chapter 7, w go to court next week. we bought a new
We filed chapter 7, w go to court next week. we bought a new TV at best buy after we hired the attorney. but before we sent in the paper work. we didn't tell the attorney we bought the set because the… read more
Roger
Roger
Litigation Attorney
Doctoral Degree
26,935 satisfied customers
My son had a house fire, during the process of fire inspection
My son had a house fire, during the process of fire inspection they found drug related items and arrested him. He is currently in jail pending trial/plea bargaining. I am now power of attorney for him… read more
Phillips Esq.
Phillips Esq.
Attorney
JD
20,141 satisfied customers
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
J.D.
7,967 satisfied customers
i have 2nd mortg of $54000.00 has been sold several time my
i have 2nd mortg of $54000.00 has been sold several time my balance still the same if i want to do the settlment can i offer $5000.00 or lower do you think they will except that or i should do chapter… read more
cfortunato
cfortunato
J.D.
7,967 satisfied customers
My daughter got herself $15,000 in debt about 8 years ago.
My daughter got herself $15,000 in debt about 8 years ago. Her bills have been turned over to bill collectors. Her personal situation has improved somewhat, but she still feels overwhelmed. She has vi… read more
KUMI95
KUMI95
Attorney
Doctoral Degree
17 satisfied customers
I have for two years paid bills off to the tune of over 40,000.00.
I have for two years paid bills off to the tune of over 40,000.00. My exwife had numerous credit cards and loans that she secured using my social and income without my knowledge. I did not know or hav… read more
cfortunato
cfortunato
J.D.
7,967 satisfied customers
when you file chapter 7 bankruptcy, for family size do you
when you file chapter 7 bankruptcy, for family size do you include household size. our daughter and her son has lived with us for almost 3 years. Are they included… read more
cfortunato
cfortunato
J.D.
7,967 satisfied customers
My friend Bill and his mother(age 78) live in Maryland and
My friend Bill and his mother(age 78) live in Maryland and have large credit card debt around $75,000. All the credit cards are in mother's name she gets social security of under $500.00 only and has … read more
JoeLawyer
JoeLawyer
Attorney
Juris Doctorate
376 satisfied customers
I moved to AZ 3 months ago I am unemployed and living on SSDI. I
I moved to AZ 3 months ago I am unemployed and living on SSDI. I have no assets, lease my car, rent apt., support my son with college living expenses. I have no savings and less than $4k in bank. I ha… read more
FiveStarLaw
FiveStarLaw
Attorney
Doctoral Degree
477 satisfied customers
I have 50,000.00 in debt. I can still pay my bills on time.
I have 50,000.00 in debt. I can still pay my bills on time. But I am only able to pay a few dollars above minium. Should I declare Bankrupcy ?I should tell you that I gave my 25 year old son my credit… read more
FiveStarLaw
FiveStarLaw
Attorney
Doctoral Degree
477 satisfied customers
I was not sure if the bankrupcy category was the correct one
I was not sure if the bankrupcy category was the correct one to use because of all the variables to my questions but here goes. I am on SSDI and do not make enough money for all my bills. I owe on cre… read more
Phillips Esq.
Phillips Esq.
Attorney
JD
20,141 satisfied customers
I live in New York I just got married one month ago. Between
I live in New York I just got married one month ago. Between medical bills and credit cards bills I am in almost 225 thousand dollars. I have Long Term disability that pays 4400.00 per month and SSDI … read more
KUMI95
KUMI95
Attorney
Doctoral Degree
17 satisfied customers
In 2008 we moved from Georgia to the Virgin Islands for job
In 2008 we moved from Georgia to the Virgin Islands for job purposes. I had to put about $18,500 on my credit card (limit is $19,000) for moving expenses which we claimed on our 2008 tax return. My jo… read more
KUMI95
KUMI95
Attorney
Doctoral Degree
17 satisfied customers
i AM STILL WONDERING IF THE FURNITURE STORE CAN REPO MY TV
i AM STILL WONDERING IF THE FURNITURE STORE CAN REPO MY TV AND FURNITURE, i TRIED TO WORK WITH THEM BUT THEN THEY SAID THEY NEVER RECEIVED A FEB PAYMENT AND SAID i HAVE THE RECIEPT RIGHT HERE. i AM SO… read more
Maverick
Maverick
Doctoral Degree
6,136 satisfied customers
I have maxed my credit out.Everything happened at once, I never
I have maxed my credit out.Everything happened at once, I never paid late, I have ben to a br lawyer consult and he told me not to pay anymore an that I am judgement proof since my income is only ssdi… read more
FiveStarLaw
FiveStarLaw
Attorney
Doctoral Degree
477 satisfied customers
i have to many doctors bills and i cant pay them all i owe
i have to many doctors bills and i cant pay them all i owe more than i make i dont know what i can do.i dont want them togarnish my wages.what should i do… read more
FiveStarLaw
FiveStarLaw
Attorney
Doctoral Degree
477 satisfied customers
I am a 100% permanent and total disabled Vietnam Vet. I also
I am a 100% permanent and total disabled Vietnam Vet. I also receive SSDI. I live in Floyd County Indiana. I am not behind on any payments. I use all of my money to pay my bills. Should I file a Chapt… read more
Guru_Guy
Guru_Guy
Doctoral Degree
1,634 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