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When Legal Matters Become Personal
The bankruptcy discharge makes the judgment “void,” meaning there’s nothing the creditor can do with the bankruptcy, but it stays on your credit for 10 years. If you want the judgment to be deemed “discharged” as well, there is an additional procedure you can go...
Do I Have To File On All My Debts? Yes, even if you plan on keeping the asset (such as a home mortgage or car loan), even if you know they won’t get discharged (such as taxes, student loans or child support) and even if it’s a credit card you wanted to keep. They and...
Do I Have To File On All My Debts? Yes, even if you plan on keeping the asset (such as a home mortgage or car loan), even if you know they won’t get discharged (such as taxes, student loans or child support) and even if it’s a credit card you wanted to keep. They and...
Well, first of all, keep your stuff that you need, out of your car, particularly garage door openers etc. Presuming the car is not worth as much as you owe, you still might try to do a short sale, get your best offer on craigslist, take it to the lender, which they’ll...
What Are My Options On My Second Mortgage? I will start out with a very simple premise for my Chapter 7 and Chapter 13 clients, which I call the 10-word rule: If you want to keep your house, make the payments. (Same rule applies for cars). The 10-word rule covers 95%...
I will start out with a very simple premise for my Chapter 7 and Chapter 13 clients, which I call the 10-word rule: If you want to keep your house, make the payments. (Same rule applies for cars). The 10-word rule covers 95% of what you need to know. The other 5% is...
Yes. Debts are the same as negative assets, and the presumptive date for dividing a marital estate is the date of your pretrial, which is often many months after separation. There are two exceptions, which is that the parties can agree on a different date (and most...
Filing bankruptcy is the short (and best) answer. Of course, sometimes creditors will threaten to garnish, but they can only do so if they have gotten a judgment, and know where you work. So if that’s the case, you are running out of time. If you are on any public...
A bankruptcy filing stops collection, and the discharge makes judgments void, but they will stay on your credit report for 10 years from when the judgment was entered. There is an additional procedure you can go through under state law, after your bankruptcy...
Can I refinance or get a mortgage after bankruptcy? In general, it takes two to four years after a bankruptcy to qualify for another mortgage or refinance (although HAMP loan modifications can usually take place even while you are in bankruptcy). The attached sheet...