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  • Vacate notice charging rent from Bankruptcy Date

    Does the Trustee have the legal grounds to charge rent from date of petition to the time property is vacated, though no rental agreement was entered? The Vacate Notice was one year after Petition filed with no previous communication concerning date to vacate property.

    Do they also have...
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  • Salem3671
    started a topic Debating firing my bankruptcy attorney

    Debating firing my bankruptcy attorney

    My bankruptcy was filed in July 2017 and discharged November 1st, 2017.

    I had a personal injury case pending at the time and it was converted from a no asset case to an asset case and the PI was attached to the bankruptcy along with part of my 2017 taxes.

    I reaffirmed on my...
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  • W3ndy
    started a topic Mortgage reduction

    Mortgage reduction

    Louisiana here. I've come across an exception for a Ch. 13 of a mortgage reduction or fair market value of home should the home not be ones primary residence. .
    How would the rules apply when lender demands the property be vacated(via landline). Debtor moves out, a year passes, is still renting...
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  • Exemption question 7 vs. 13? What would YOU do?

    I was going to file 7, but now am debating chapter 13. I currently owe $103k combined on 1st&2nd mortage, and the trulia/willow "ZESTIMATE" have it valued at $128K ($25k supposed equity?)

    The Indiana homestead exemption $19,300, which would leave me with $5,700 equity not...
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    Last edited by bubbadirect; 11-26-2017, 02:34 PM. Reason: Add tags

  • Several questions about the way my Chapter 7 is unfolding

    First off, thanks to everyone who posts such good wisdom on this message board, it's the most useful I've found so far. I am going to be filing a Chapter 7 bankruptcy here in California on August 1st. My attorney is somewhat difficult to get hold of, and his answers are often too cryptic for me to...
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    started a topic Should I file? Now or Wait?

    Should I file? Now or Wait?

    I am considering filing bankruptcy. I have about $25,000-$30,000 in debt from a $12,000 deficiency balance on a car repo, about 3-5 thousand in collections/charge offs, and only a $400 limit credit card open with Discover. I have a broken lease that I'm still being charge for until the lease is up or...
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  • JJH77
    started a topic Considering Bankruptcy

    Considering Bankruptcy


    Hoping I can get some insight here on chapter 7 in New Jersey.

    After fighting so so long my husband has given the green light on bankruptcy. Due to illness starting 3 years ago and a car accident we fell behind on things and it snowballed.

    We live in NJ,...
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  • Chapter 7 -- 341 trustee issues in Atlanta -- please help!

    I had my 341 meeting for chapter 7 in Atlanta today...what a mess. Probably the biggest issue was that I pre-paid my dentist prior to filing - from my bank account, not on credit cards - for a procedure to be done 2 weeks later. The dentist required pre-payment, and the procedure was phase 2 of dental...
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    Last edited by GAfiler; 04-12-2016, 07:27 PM.

  • Pre-planning Chap. 7 Questions about property appraisals

    I am planning on filing at the end of the year so I'm getting my ducks in a row. I'm thinking we may now qualify for Chapter 7 so I want to think through everything involved in that so I'm not blindsided if that's the case. I'm in the Middle Court of Florida Tampa area to give you an idea of where we...
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  • nexus76
    started a topic Value Automobile Ohio

    Value Automobile Ohio

    I'll try to make this short. Received my first summons from which I assume is the original creditor certified mail on Monday (I have 28 days to answer), I am $47,000 in debt - all credit cards. I planed on filing Chapter 7, just for some reason I thought I would not get sued for a few years. Mainly...
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  • Bankruptcy after Retirement: Ch 7 or Ch 13?

    My dad, who is in his late 70s, has gotten himself into too much unsecured debt. He has assets, which are all in retirement accounts (IRAs) and investments (stock). Also a house, under a mortgage but not (thankfully) under water. About 1/3 of the debt is an unsecured loan is left over from a business...
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    Last edited by tess_bk; 06-28-2012, 12:15 AM. Reason: Correct the # of years ago I joined this site! Thought it was 10 but it was only 6.

  • Equity in inherited house used to purchase primary residence

    This is my second post, first one was in Chapter 7, now I'm thinking of Chapter 13. Will be meeting w/attorney next week.

    I live in South Florida and inherited family home (paid for but not worth much) in North Florida (not homestead). My invalid sister is living in the house rent free....
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  • americanist
    started a topic Converting 13 to 7, Part II

    Converting 13 to 7, Part II

    Hi, all, I posted on this question back in March, but some things have changed, making me think that a conversion to Ch 7 is even more sensible. (Didn't do it then, as the $130/month bk payment was reasonable.)

    First: I just got a message from the court saying we've been dismissed--likely...
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  • I am going to finish my pro se filing on Thursday.

    I have been sick since the 19th, the day I did the emergency petition. (a debt collection 3rd party was suing me)

    I went to the library and checked out about 5 books, 2 of them were very helpful. I have no choice but to go through with this as a lawyer won't touch it now. I am stressed...
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    Last edited by AngelinaCat; 02-04-2012, 12:33 AM. Reason: Make post easier to read.

  • gregemm
    started a topic exemptions in AZ and cosigned loans question

    exemptions in AZ and cosigned loans question

    I am so happy to have found this site, and have learned so much on here so far. I am considering a pro se filing in Arizona, am planning on meeting with some lawyers when I get the time too.

    I've got a couple questions. First does anyone know about the arizona household property exemption?...
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