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BobMango
BobMango
Registered User
Last Activity: Yesterday, 11:52 AM
Joined: 07-22-2009
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  • BobMango
    replied to I heard credit unions repo cars
    Depends on the credit union and how much equity (or negative equity) you might have. Some credit unions don't care and will repo without a reaffirmation even if it costs them money, You can certainly play hide and seek, but maybe the best course is to call the lender after the reaffirmation hearing...
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  • BobMango
    replied to GPS Tracker on Vehicle
    Sounds like he was trying to fix his mistake by strong arming you. I guess he was thinking if he put the tracker on one of your vehicles, he could check the locations you go to and maybe find the other vehicle at one of those places. I don't think the GPS unit is worth $500 but in any case good for...
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  • BobMango
    replied to GPS Tracker on Vehicle
    Funny. I would reply to them with "what equipment are you talking about?" When they tell you what it is ask them "if it's a gps tracker why can't they locate it."

    I don't see how you have any liability with regards to a device they placed on your vehicle without your...
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  • Sounds like good news. Did the judge rule in your favor on the objection to exemptions and turnover of property?

    My parents ran into a trustee who thought he could bulldoze a pro se filer. He ended up with egg on his face and they prevailed.
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  • BobMango
    replied to Chapter 7 No job or income
    Sounds like we are confusing "joint tenancy" with "tenants in common". If this was as you describe the joint tenancy agreement did not provide any ownership rights, so terminating only means you don't have the right to live there any more.

    A free consult with a couple...
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  • BobMango
    replied to Motion to Dimiss under abuse
    It depends. A good attorney is worth something. This case

    http://nmb.uscourts.gov/sites/defaul...s/12-10079.pdf

    shows how an attorney that knows what they are doing and is willing to fight can win.

    In this case the filer had over $600k on income amd...
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  • BobMango
    replied to Chapter 7 No job or income
    Fair enough, it's a personal decision, but the quality of the feedback you get from the community here is directly related to having all the facts to consider. For instance, is the credit card debt only for cards in your name or were there joint accounts or accounts with co-signers? Your filing could...
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  • BobMango
    replied to Motion to Dimiss under abuse
    Unfortunately, it's not future income. Your income tax refund (tax year 2017) was earned before you filed in January. It was the result of over-witholding. If you had your witholding correct then you would have received that money last year. In any case it was the result of work performed before...
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  • BobMango
    replied to Chapter 7 No job or income
    Why do you want to file? It sounds like you are judgment proof at the moment. I would hold off until you have something to protect, like saving income from garnishment. If you are getting harassed there are ways to reduce that but if you have no income or assets to protect then I wouldn't pull the...
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  • BobMango
    replied to chapter 7BK
    I think explaining it to the trustee as you have here should be fine. I might just say that you expected the case to be filed earlier, you didn't have the job offer then and leave it at that. The trustee will most likely ask if your circumstances have changed in which case you would need to disclose...
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  • BobMango
    replied to 401K deductions
    Well, if you have already determined you have to file a 13, then the means test doesn't really matter. I think you are really asking about the calculation of your disposable monthly income.

    That is an entirely different exercise and what is allowed or disallowed on the means test does...
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  • You can see a list of all filings under History/Documents.
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