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  • Homeowners Claim after Bankruptcy on a Ride thru Mortgage

    Ok so we filed Chapter 7 in 2009. We had a first and 2nd mortgages. Our house value is under water. We have continued paying our first and haven't made any payments on the 2nd in 5 years. We don't even hear from them any longer. Of course we realize they still hold interest in the property. ...
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  • Surrendered House in Chapter 13 and they didn't file a claim. Insurance?????

    Do I still need to have homeowners insurance on this house, since we surrendered in the BK and no longer are living there?
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  • BK 13- Trustee asking about Business insurance?? Self Employed filer

    Have you dealt with this? I have to complete the "long Form Business Report" and it asks about this. I have worked from home for years. of course have homeowners with an office endorsement - but this is NOT business insurance per se - any thots?

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  • Wantmypeace
    started a topic Report on 341 Hearing today

    Report on 341 Hearing today

    Well, WOW! I'm glad it's over, but it was very stressful.

    There was one lady ahead of us who told the trustee she had spent her tax return to pay back her parents for an air conditioning/heating unit they had bought for her when hers died. As soon as she said it, I thought, "OH...
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    Last edited by Wantmypeace; 03-18-2011, 08:30 PM. Reason: grammar

  • MeLLE159
    started a topic Insurance Information

    Insurance Information

    I just discovered this particular folder on the site so I figured I would share some information.
    There are a few different ways to obtain Insurance which are: direct with the company, exclusive agent who lives in your same area but only writes for that insurance company, or an Independent agent:...
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  • Fresno foreclosure - no need to pay tax, insurance, or maintenance !

    We're surrendering Fresno properties in our bk and today we found out that we don't have to pay the taxes, or insurance or for any property maintenance, lawn care, etc.

    As soon as the lienholder files a notice of default with the county (first step in process out here) they become the...
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  • jb300
    started a topic Getting new insurance and credit scores

    Getting new insurance and credit scores

    Well here I am a year plus post BK. Being self employed to say this has been a struggle is an understatement. I have vowed to NOT get another CC until we are more on our feet again. That has sometimes meant that I am down to $10.00 in my pocket, period. I have never struggled so much in my life. I know...
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  • Notdoneyet
    started a topic Cash value of Life Insurance policy

    Cash value of Life Insurance policy

    We received our chapter 7 discharge on May 25, 2010 and our case was closed June 9, 2010. I have a Life Insurance policy that has a decent cash value and a loan against that cash value. We included both in the Bankruptcy , listing the cash value as an exemption and the loan as an unsecured debt. We...
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  • Better than vacant? Realtor wants to live in my house...

    My Chapter 13 was confirmed a few months ago. I am returning the house as part of the BK.

    I have signed a lease on an apartment - need to move for work. Moving in June.

    I stopped by the attorney's office today to talk about the details... how to handle insurance, home owners,...
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  • NewHamp1
    started a topic Disaster strikes shortly after 341

    Disaster strikes shortly after 341

    Hi! My husband and I filed for Ch7 11/7/09. We had our 341 on Dec. 14 (originally scheduled 12/7 snowstorm hit). We filed because medical bills from my adventure with breast cancer wiped us out. On Jan. 12, 2010 my husband was diagnosed with cancer, on Jan. 20th we learned it is pancreatic cancer. On...
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