Recent content by LostinMI

What is the name of your state? MI Had final meeting with attorney week and half ago. Signed papers (with minor changes to be made by attorney), paid attorney fee & filing fee in full (checks have cleared). My problem (first of all, I am a terrible worrier).... but I cannot get ahold of...

What is the name of your state? MI Currently behind on mortgage payment. Plan to make July 15 payment on Sept 2. Plan to file BK on September 16. And then catch up on August & September payments prior to 341 meeting. I plan to reaffirm the mortgage. Lady from mortgage company tells me that I...

What is the name of your state? MI We haven't file yet. Husband & I are seperating (eventually divorce, when we can afford that) & filing bk seperately. But I have a couple questions about keeping the home. I plan to keep our home. But, will be both have to reaffirm the mortgage? If so, can we...

What is the name of your state? MI I have a line of credit (overdraft protection) at my credit union that I also have my checking & savings accounts with. If I file bk & reaffirm this debt with the credit union, what is the likelyhood that the credit union would still close my accounts? Or...

What is the name of your state?MI What happens if there is too much equity in my vehicle? According to KBB it's worth $3900 (but not likely).... and if I am reading the fed allowances correctly, I can only exempt upto $2400. What happens then? Can I use any unused portion of the homestead...

What is the name of your state? MI My husband & I will be filing seperately. He will be moving in with relatives shortly -- he will then have a different address for filing. He may not have certain living expenses (rent, utilties, etc.) will staying with family but will as soon as he is able...

What is the name of your state? MI I have a line of credit account attached to my checking account (overdraft protection). That is currently about $900. I was thinking I would try to pay that off prior to filing so that it isn't included in my bk, so that it doesn't affect my checking...

What is the name of your state?MI This may be a stupid questions, but.... Where do I go to obtain the forms to file for divorce? I thought they would be available on the internet, but am unable to find. Can I just pick them up from the court house?

What is the name of your state? MI I am getting ready to file for divorce. It is mutually agreed upon between myself & husband. He has agreed that the kids should stay with me, but he wants to keep our home. I don't care to keep the house, but I don't want to uproot my kids from their home...

What is the name of your state? MI From what I understand about a chapter 13 bankruptcy is that you work out a 3-5 year plan to repay debts. But I am unclear as to whether that means unsecured debts or all debts? I would think that it would be virtually impossible to pay off a mortgage in...

What is the name of your state? MI I just talked with a lawyer.... and she suggested that we file "physically" seperated instead of a married couple because of the income limit for filing a chapter 7 bankruptcy (we both work). I explained to her that we cannot afford to be physically seperated...