Legal

Ask a lawyer and get answers to your legal questions

Ask a Lawyer,
Get an Answer ASAP!

I owe about $12000 in CC bills and have not been able to…

Customer Question
Hi. I owe...

Hi. I owe about $12000 in CC bills and have not been able to work due to an illness. I am looking for advice on how to move forward.

Lawyer's Assistant: Because employment law varies from place to place, can you tell me what state this is in?

Yes. I am in Maine.

Lawyer's Assistant: Has anything been filed or reported?

No. I am getting about 12 calls per day from the companies from different phone numbers and am about 4 months behind in my payments.

Lawyer's Assistant: Anything else you want the lawyer to know before I connect you?

I own my house outright and believe that I would lose it if I filed bankrupcy (which I don't want to do).

Submitted: 11 months ago.Category: Legal
Show More
Show Less
Ask Your Own Legal Question
Answered in 2 minutes by:
9/14/2017
Lawyer: Barrister, Attorney replied 11 months ago
Barrister
Barrister, Attorney
Category: Legal
Satisfied Customers: 43,027
Experience: 17 yrs practice, Civil, Criminal, Domestic, Realtor, Landlord 26 yrs
Verified

Hello and welcome! My name is ***** ***** I am a licensed attorney and will try my best to help with your situation. There may be a slight delay in my responses as I type out an answer or reply.

.

Can you tell me how much the home is worth?.

.

Do you have minor dependents?

.

Do you have family locally?

.

Have you looked into a possible equity line to tap into the equity in your home to pay the debts off?

.

.

thanks

Barrister

Ask Your Own Legal Question
Customer reply replied 11 months ago
My house is worth about $125,000. I have no minors. My family does live locally. I am quite sure I cannot get credit due to my late CC payments bringing down my credit score,
Lawyer: Barrister, Attorney replied 11 months ago

Ok, that presents a problem because Maine only has an exemption for $47,500 for an owner if there are no minor children in the household. So the house would potentially be at risk here even without a bankruptcy because the creditors could sue you, get a judgment, and then foreclose on that judgment and force a sale of the house to pay the judgments..

.

With that said, you might want to consider deeding your home over to a trusted relative to get it out of your name so it wouldn't be subject to creditors if they filed suit.

.

That kind of leaves you with the only option of trying to settle the accounts with creditors and get on some type of payment plan with them that you can afford. You can tell them that you have been sick and may have to file BK to discharge the debts if you can't work out a payment plan. They know they get nothing if you actually filed BK, so that gives them an incentive to work with you..

.

.

thanks

Barrister

Ask Your Own Legal Question
Was this answer helpful?

How JustAnswer works

step-image
Describe your issueThe assistant will guide you
step-image
Chat 1:1 with a lawyerLicensed Experts are available 24/7
step-image
100% satisfaction guaranteeGet all the answers you need
Ask Barrister Your Own Question
Barrister
Barrister
Barrister, Attorney
Category: Legal
Satisfied Customers: 43,027
43,027 Satisfied Customers
Experience: 17 yrs practice, Civil, Criminal, Domestic, Realtor, Landlord 26 yrs

Barrister 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

Not only did he answer my Michigan divorce question but was also able to help me out with it, too. I have since won my legal case on this matter and thank you so much for it.

LeeMichigan

< Previous | Next >

Meet the Experts:

Ely

Ely

Counselor at Law

24,658 satisfied customers

Private practice with focus on family, criminal, PI, consumer protection, and business consultation.

INFOLAWYER

INFOLAWYER

Attorney

22,843 satisfied customers

Licensed attorney helping individuals and businesses

JPEsq

JPEsq

Attorney

2,132 satisfied customers

Experience as general attorney, in house counsel, SSDI, Family Law attorney, and law professor

Law Educator, Esq.

Law Educator, Esq.

Attorney

44,266 satisfied customers

JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law

Ellen

Ellen

Lawyer, Consultant

8,238 satisfied customers

25 years of experience helping people like you.

Guillermo Senmartin

Guillermo Senmartin

Lawyer

301 satisfied customers

Principal Attorney at Guillermo J. Senmartin, P.A.

Dimitry K., Esq.

Dimitry K., Esq.

Attorney

17,183 satisfied customers

Multiple jurisdictions, specialize in business/contract disputes, estate creation and administration.

< Previous | Next >

Related Legal Questions
Is it better to lease or buy a new vehicle if I have a small
Is it better to lease or buy a new vehicle if I have a small CA business? Better to buy outright or arrange a loan?… read more
Expert James
Expert James
Doctoral Degree
12,466 satisfied customers
I have a friend of mine who is an attorney. He owns a
Hello,I have a friend of mine who is an attorney. He owns a variety of vanity phone numbers that spell out different things. Some of the numbers are only valuable if purchased outright to control an e… read more
Law Educator, Esq.
Law Educator, Esq.
Attorney
Doctoral Degree
44,266 satisfied customers
I have a vehicle which is financed through a lender. Some
I have a vehicle which is financed through a lender. Some time ago I had a financial hardship and had a hard time paying bills. After discussing this with the lender, they agreed to take my current pa… read more
Dwayne B.
Dwayne B.
Juris Doctor
28,766 satisfied customers
I am in a disagreement with my home owners association. They
I am in a disagreement with my home owner's association. They are trying to force me to pay 9 months in advance on the Dues, when I am in fact, paid up. Because I won't pay that in advance amount, the… read more
socrateaser
socrateaser
1,031 satisfied customers
Deal=Initial offer of 1.15M accepted. 400K at closing, bal
Deal=Initial offer of 1.15M accepted. 400K at closing, bal of 750K 12 months later in one balloon payment. What can go wrong with this deal?… read more
Dimitry K., Esq.
Dimitry K., Esq.
Attorney
Doctoral Degree
17,183 satisfied customers
one of my clients is behide in his payments and I just called
one of my clients is behide in his payments and I just called looking for money and was told they are out and just wait.. I have had this happen before (client is a hospital) and I forced they to pay … read more
Legalease
Legalease
Attorney At Law
Doctor of Law w/ highest honors
15,719 satisfied customers
Years ago when my family was in a hardship(failed business
Years ago when my family was in a hardship(failed business and 2 children with severe medical issues) my mother offered to put me on her credit cards. We have approximately 4 cards, got behind when th… read more
MShore Law
MShore Law
Doctoral Degree
1,233 satisfied customers
Hello, I have a rental property which is upside down in Carson
Hello, I have a rental property which is upside down in Carson City. It is a purchase money loan, Ist and equity line second when I purchase the property in 2005. I do have it rented (with a negative … read more
MShore Law
MShore Law
Doctoral Degree
1,233 satisfied customers
Hello, My name is Kathy Tinker and I need to file bankrupcy.
Hello, My name isXXXXX and I need to file bankrupcy. My income is down to 927.00 per month. SS Disability. I have lost my job, car, medical insurance and am having to sell my home. My debt is aprox 3 … read more
Richard - Bizlaw
Richard - Bizlaw
Juris Doctor
3,773 satisfied customers
our vehicle was repossessed on 12/8/2010.We paid all of the
our vehicle was repossessed on 12/8/2010.We paid all of the remaiming balance and fees to the bank on 12/12/2010.notified the bank on 12/13/2010.Vehicle was moved to Tampa area on 12/13/2010.what do w… read more
Andrea, Esq.
Andrea, Esq.
Attorney
Post-Doctoral Degree
10,512 satisfied customers
I currently own two homes. The first was purchased in 1987
I currently own two homes. The first was purchased in 1987 and we resided there until 1992. I then moved my daughter and ex-wife in to this home and purchased a second home for me and my wife to live … read more
FLACORPLAWYER
FLACORPLAWYER
Doctoral Degree
1,750 satisfied customers
Can $72,000.00 of tax liability I owe to the IRS and State
Can $72,000.00 of tax liability I owe to the IRS and State of Maine be discharged in bankrupcy court on top of $37,000.00 of other unsecured debt I carry? I have been cut in pay at work and now have $… read more
LawTalk
LawTalk
Attorney at Law
Juris Doctor
128 satisfied customers
4 years ago, a Divorce Judgment was Modified to reflect change
4 years ago, a Divorce Judgment was Modified to reflect change of physical residence(from Mother to Father) of two minor children in Maine. Due to an enormous arrearage by the father, the mother did n… read more
Joseph Leon
Joseph Leon
Member
Juris Doctorate
270 satisfied customers
My vehicle was repoed, we had made a payment with our cc.
My vehicle was repoed, we had made a payment with our cc. We were unaware that the cc was declined due to a credit card number that the dealer did not change in their system. When we called dealer to … read more
Ronald Frederick
Ronald Frederick
Principal
Doctoral Degree
86 satisfied customers
I recieved a Water bill from the Villsge of Bensenvill il ...
I recieved a Water bill from the Villsge of Bensenvill il for $57,000 The lain to have been billing me wrong for the last 15 years, They have been billing the water as 1,000 gallons when on the meter … read more
Winston Mortain
Winston Mortain
Doctoral Degree
342 satisfied customers
In 2003, when I was 18 yrs old I bought a honda for ...
In 2003, when I was 18 yrs old I bought a honda for $16,[email protected] interest rate of 20%. After 2 years my payments were not going anywhere and I had to give the car up because they would not reduce my pay… read more
Lawmoe
Lawmoe
Lawyer with 20 years of experience
Juris Doctorate
2,405 satisfied customers
OUR HOME IS BEING FORECLOSED ON AND WE WERE SENT A ...
OUR HOME IS BEING FORECLOSED ON AND WE WERE SENT A LETTER FROM A LAWYER STATING THAT IF WE DIDN'T COME UP WITH THE BACK PAYMENTS PLUS PENALTIES,FEES, AND LAWYER FEES AMOUNTING TO $9,858.55 BY 11/26/07… read more
Lea Fleming, CFP, CRFA
Lea Fleming, CFP, CRFA
Bachelor's Degree
14 satisfied customers
I live in Atl. Ga.I was recently charged $39.00 late fee ...
I live in Atl. Ga. I was recently charged $39.00 late fee on credit card pymnt.which Due date was June 11, 2007. I mailed payment on Tues June 5, to this particular cr. c. co. in Philly, Pa along with… read more
4ren6
4ren6
Retired
2,906 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