Real legal questions, answered by attorneys

Can you refinance a mortgage that was not reaffirmed in the state of PA?

Our bankruptcy was discharged 6 years ago but we never received anything from our lender to reaffirm our mortgage. Now we can no longer reaffirm it and our lender will not let us refinance even though we have never missed a payment nor have we been late.

Client owes $20K+ for attorney fees. Prior to filing bankruptcy, client sent check for amount owed. Client's bank denied check.

I am an attorney with a client who sent a bad check for fees owed. He filed Chapter 7 and went through bankruptcy in the Northern District of Georgia. He was discharged from bankruptcy on December 7, 2021. When his check was denied, the client promised to pay once he was out of bankruptcy. He since has failed to pay. A copy of his filings reveals that he did not disclose his attorney fees in bankruptcy. How collectible is our Firm's claim for the $20K+ that the client owes?

I need to file a proof of claim against a bankruptcy in Georgia. Do I have to a Georgia attorney for this>

I am at the deadline date to file a proof of claim against a relative in the State of Georgia. The problem is I live in SC and in AL. Does the attorney have to practice in Ga., or can they preside in AL?

How could I obtain a Notice of Bankruptcy Filing Document from 2013?

From a Chapter 7 Bankruptcy in Feb 2013 (US Bankruptcy Court, Western District of Pennsylvania, Case No. [I have]) I would like to obtain copies of the following (Publicly Available?) documents: 1) Notice of Bankruptcy Filing Document (That the Court mailed to all the Creditors and is supposedly filed in the court records [pacer?]) (Most Important Doc) 2) Initial Petition filing of the Bankruptcy 3) Certification of Notices (of who and how sent to) Thank you for any information!

Will I be able to use a hand written receipt to show proof of purchase when filing bankruptcy?

I need to make a purchase from a person and not a store. I am looking into filing bankruptcy but what I need to get is a need and not a want so I can.

My husband is on permanent disability and I have to stay home to take care of him 24-7. We need to file chapter 7 to protect his SSDI. We need help

My husband became disabled a few years back and I have to stay with him 24-7 to care for him and to watch over him. We have extreme debt with credit cards and some unsecured loans we got while we were working but absolutely can’t pay them with is SSDI payments. Our home we are up to date on payments but have no equity in it. But it’s perfect for my husband on disability no basement and I floor, small home. We having discover putting a writ agreement on out bank account and our credit union that has very little money in each account. His disability goes directly into our Bank account to use to live off of.

I am in a ch 13, I reaffirmed a lease vehicle that is up...can I lease another vehichle?

My ch 13 is almost 2 years old now. I reaffirmed a lease vehicle when I began the Ch 13 and now that term is up. Will I be able to get another lease

Chapter 13 and 341 meeting and confirmation hearing ?

If for any reason 341 meeting of creditors is postponed for a later date and confirmation hearing date falls before the 341 meeting of creditors.

Can I file bankruptcy an keep my house?

I went on forebarrance with my mortgage an didn't work at beginning of covid because we weren't allowed an I got behind on everything now I'm still trying to get caught up an would like to keep my house an either file for bankruptcy or a consolidation loan

Is there a way to petition to have liens removed from my house title that was placed there from credit card companies if I have not paid the debt off?

I am facing foreclosure. I went into the save your home program in my state and they state I have liens on my house from credit card companies and in order to participate in the program I would have to have the holder of the liens agree to go 2nd position on my house. The creditors refused to go into 2nd position so I could not participate in that program to save my house. I was told I could save my house by filing a Chapter 13 bankruptcy which I did. However, my bankruptcy payment is 1083 a month which is a lot of money and would not leave me much money after paying that. I had a meeting with the creditors meeting already and I'm schedule to see the judge in April to see if they will approve the plan. My concern with the plant is that I will have no money for food or anything else every month so I was seeing if there is an option to get the liens removed before then an re-enter the save your home program to avoid the bankruptcy.

Can I files a motion to purchase?

I am at the end of my bankruptcy as of March 2022. My wife and I have lived together for the passed year, with intent to divorce. I filed July 2020 I been approved to buy from Veterans mortgage company. I need a letter to purchase from trustee. Can I file motion if trustee denies give me a letter? I am a veteran, my lawyer wants a large amount to file a motion. I need new house for me and my daughter. Current house will be sold once new house is obtained.

Can I withdraw from my IRA without informing the trustee if I am in chapter 13

I am in dire need to repair things on my house before my homeowners is cancelled, and I also need to purchase a used vehicle because my old vehicle died.

Can I file for bankruptcy again?

I filed for bankruptcy in North Carolina, after a few months I loss my job. I made an appointment with bankruptcy lawyer and he it nothing could be done. I had problems keeping up the payments. I moved to Fairbanks Alaska for work. I received a notice that the trustee was going to court to dismiss my bankruptcy, another letter came with a court date. Then I received a letter saying my bankruptcy has been dismissed for non payment.

Can I sell or take half my business tools and cars ?

I have a 50-50 partnership agreement Of an automotive business the business has started to fail miserably I would like to shut the doors and go back t

I received a red card notice from Laughlin Constable, do I have to contact them before filing for bankruptcy?

I will be filing bankruptcy soon but today I got a red card posted on my door from Laughlin Constable Office stating a Case number and phone number to contact Mo days thru Fridays. Please advise me what to do Im worried they may show up at my work to do the same.

If an account has been charged off can you expect a garnishment

Car was repossessed because of a bad bankruptcy

So I didn’t do reaffirmation I can give the car back, but I have to pay the balance? So confused?

I’m confused by this answer to my reaffirmation question? I did not sign an agreement I can voluntarily give my car up, but I will still owe the balance ?

How do I get accounts included in bankruptcy removed from my credit report

I had a chapter 7 bankruptcy discharged on April 3rd. However the accounts included in the bankruptcy are still on my credit report?

Debt left off of BK

My attorney left off a debt from my BK. It has passed discharge. What can I do? Is this malpractice.

What are my options if a ex tenant used my name and credit to purchase a piece of property without my knowledge

I am trying to refinance again and have already filed Chapter 11 bankruptcy and had all my liens and judgements removed so I was told and now there is still a lien or judgement against me keeping me from refinancing and it may be due to my name and credit being used over 25 years ago by tenants that I had arrested from stealing from me.

How to stop a wave garnishment.

A firm garnished my wages from a complaint they filed in 2013. I called the try work out a payment but they refused to have a conversation. The garnishment took my take down by $1200 a month not just the 25% ($325) a pay period.

What if i file bankruptcy?

I put down 300K to bought the 1 million house with my girlfriend, we both names on mortgage and Deed. After that she forced me to max out all my credit cards to bought all things for her family. Now I own 100K with no job but the house now worth 1.6 million and she said she will give me 150K then get out of the house. If I file bankruptcy then what happens? Thanks

If the trustee in a NC chapter 7 bankruptcy sells my home will I receive payment?

My spouse and I owe $53,000 in unsecured debt and we are going to file Chapter 7 bankruptcy. We don’t want to file chapter 13 we can’t afford the repayment plan. I’m the owner of our house and I still owe $18,000 to my mortgage company the listed value is $80,000 that puts the equity over the NC homestead exemption of $35,000 if the trustee sells our home how will the money be distributed? Will I be paid the exemption of $35,000? After the creditors and mortgage company are paid or will the mortgage balance be taken out of the $35,000 leaving me with only $17,000? I’m confused on that part. Thanks for any information.

In N.C. can a dismissed bankruptcy case be reopened to avoid foreclosure

I file bankruptcy twice and dismissed them both. Now my home has a foreclosure sale. Can I reinstate my bankruptcy case?