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    1. S

      Family Law - Ex-husband in Hospice

      What is the name of your state (only U.S. law)? Massachusetts. This one will probably go down in the books. I married in 1975, divorced in 1991. Two children of the marriage, both adults now. Ex-husband wasn't really much of a "dad" to either child during marriage or after divorce. In 2015...
    2. S

      How to qualify for Ch. 7 or 13?

      What is the name of your state? Massachusetts My daughter wants to file for bankruptcy. Her debts are mostly credit cards, there's an auto loan (and not sure if the car is worth as much as the balance of the loan). She just started another job and, if she lasts, will make around $29K per...
    3. S

      Bedbugs

      What is the name of your state? Massachusetts My uncle owns property in Massachusetts (although he lives out of state). The property is two parcels, side-by-side. One parcel has a single home. The other parcel has a house that has three apartments in a row (not a triple decker). The tenant...
    4. S

      Chapter 13 Bankruptcy

      What is the name of your state? Massachusetts My daughter is in debt over her head. She's doing the best she can trying to get above water, but it hasn't been easy and I fear that someone's going to sue her just as she feels she's almost at a point where things can be managable. She has a car...
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      Consolidating Loans/Credit Cards

      What is the name of your state? Massachusetts Can a person who owns no real estate or other property consolidate debts to pay off credit cards and loans? My daughter is 24 and has a bit of credit card debt - probably about $5000.00 total. She is paying a car loan and has been good at paying...
    6. S

      Falling Trees

      My Dad owns property that has very tall trees on the property line (50-70 feet tall), abutting another property behind him that has commercial trucks parked about 10 - 20 feet from property line. He tells me the condition of the trees are not great and is worried that they'll fall hitting the...
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      Credit card after discahrge

      I would definitely NOT accept their offer! There are many other banks that will do business with you offering unsecured credit cards even though you've filed bankruptcy. I had one just three months after I was discharged. It's the only one I have (and that's fine with me!). The rate may be a...
    8. S

      ok call me dumb...but...

      Lawyers charge different fees for bankruptcy filings. It depends on who you get and what you have in the way of assets. If you own a home, you may need to file a Ch 13. It's still a personal bankruptcy, but I think you get to save the house and the car. If you had two cars, I think one would...
    9. S

      using credit cards after discharge

      Wow... how did you get away with that!? I had the same issue - one card had been paid, one had a balance - I had no choice but to put them both on the petition, zero balance or not. All credit accounts, by law, must be reported on your petition and matrix list of creditors. Otherwise it's...
    10. S

      Can the court take my income tax refund

      I filed a Ch 7 bankruptcy back in Nov. 2002, the meeting was early in February 2003. I had not yet filed my returns. I vaguely remember whether or not she may have asked if I was expecting a refund, but I had also not filed my taxes for 2002 at that time. I owned no property and had nothing...
    11. S

      Does legal judgment automatically get discharged with CH7 BK?

      He has a stay of 20 days (meaning you cannot file any documents with the court contesting his request for discharge of your debt as a creditor named in the petition) after the filing of his bankruptcy petition. After the 20 day stay, you are free to contest the debt and ask the court to...
    12. S

      Getting a restraing order dropped

      If the court issued a restraining order because of information they got from the police department against this person, then there was reason to believe that you were being placed in a position of imminent harm. This is the only reason why they'd go so far as to issue an order like that. They...
    13. S

      Filing Exempt

      9!!!!! That's a bit high, don't you think! I was making $36K four years back, owed nothing to the IRS, but was just about breaking even and I was filing as head of household and claiming 4 exemptions on my returns! I claimed 4 because I needed the extra cash up front, but it didn't make much...
    14. S

      Father Died in January...Need some advice!

      Dandy Don is correct. I have a quick question though.. if Grandma is only going by a verbal mention of money and hasn't filed anything in probate court to petition the court to make her an administrator of your Dad's assets, how can she legally take this money... does merely being a beneficiary...
    15. S

      out of court

      Offer to make payments? I'd question the collection fees... that's a bit steep don't you think? Are they court papers or just a nasty letter from an attorney??? If it's just an attorney letter, you may still have some leverage for a payment plan. (even a court would allow that) See if you...
    16. S

      How long?

      Cute, IAAL, real cute... heh,heh.. To the writer: You don't mention what type of case this is, or even if you have an attorney representing you on the appeal. If you have an attorney, he should be able to give you a time estimate, but even that won't be accurate. An uneducated guess would be...
    17. S

      is this a Deceptive practice of this Bank?

      Many banks do not accept "post dated" or as you put it, advanced checks even if you have overdraft protection. Overdraft doesn't necessarily mean that you can write checks or use your debit card without the bank charging you a fee for these overdrafts either. The charges you incurr by taking...
    18. S

      Chapter 7- Checking/Savings Account- 401K

      I paid $200 in Nov. 2002 to file the petition. But I also went into this pro se. I work for a lawfirm tho, so had my boss help me with it. And of course, there's fees if you hire an attorney. You can successfully file on your own and may even be able to find an attorney to look over the...
    19. S

      Chapter 7- Checking/Savings Account- 401K

      I'm from Massachusetts and filed a Chapter 7 in 2002, discharged in 2003. I was told by the attorney helping me not to worry about my checking/savings, etc. accounts, although you have to list them on your schedule. You also have to list any retirement accounts, although they should be exempt...
    20. S

      Sales Tax

      Have my own business. Two employees subcontracted out. Bills are piling up, sales tax has been a hardhsip when paid. About two years behind. Owe about 3000 semi annually. Thinking of bankruptcy? Sales tax is what kind of burden? Don't you mean?..... I had a business, two subcontractors are...

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