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bcohen
Registered User
Last Activity: 01-22-2020, 08:20 PM
Joined: 06-12-2010
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  • bcohen
    replied to Judgement placed a lien on the property
    I do not think this is correct, and if this were true, would defeat the purpose of bankruptcy. It is certainly true that liens are not automatically removed in bankruptcy, and that if one is planning to keep their house, it would be necessary to file a motion to avoid any judgment lien(s) which impede...
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  • bcohen
    replied to Judgement placed a lien on the property
    I am struggling to see the problem here. Like you, I had a judgment from a credit card when I declared Chapter 7 bankruptcy. I did not own any real estate at the time, and as the underlying debt was discharged in my bankruptcy, and the discharge injunction prevents the creditor from attempting to...
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  • bcohen
    replied to Urgent please help. Meeting in 10 days.
    These are not standard bankruptcy forms. These are documents which your specific panel trustee sent to you. If you filed pro-se, you need to contact the trustee to request new copies of these documents if you lost them or never received them.
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  • bcohen
    replied to Did you reaffirm your auto?
    It means that you file a motion with the bankruptcy court to determine the current value of the vehicle, and to pay that amount in one single payment, which the lender will be compelled to accept as payment in full, and to release its lien on the title. The funds for redemption can come from money...
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  • bcohen
    replied to Did you reaffirm your auto?
    I have never financed a car--I always buy cheap old cars that I can afford outright, and then pay for the repairs to keep them running. However, I am very well aware of the types of interest rates offered to car buyers, both before and after bankruptcy. For most people, credit scores will improve...
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