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Chapter 13 Bankruptcy. Danger of dismissal. What do I do?

admin — Sat, 28 Aug 2010 08:07:07 +0000

rare2findd asked:

..
Court says to convert to Chapter 7, but can’t because was behind on mortgage payments. Am paying arreages alsol Commenced payments ON TIME in November 07 (and since) and made additional payments under the Plan. No equity on house. Now court says the Plan has to be re-done or will be dismissed. Why does Trustee want more money if Means Test gave them correct disposable income? A friend went through 13 also. The lawyer figured her payments to trustee (and secured creditors, with unsecured creditors receiving 23 cents on the dollar) to be 370 per month. SHe was just confirmed. But has to pay 648 a month OVER AND ABOVE her mortgage.
Is something going on with the Trustees that we don’t know about?
I read several articles on line about Trustees being dishonest.
Who can I complain to. They were talking about higher payments at First Meeting of Creditors, But as it stands I have very little left after mortgage payment and separate amount paid to trustee.
Grumpy:
“You stated that you are delinquent with your mortgage –have no equity. You are also trying to protect something that is a liability rather than an asset. The court sees this. You do not belong in a Chapter 13, you belong in a Chapter 7.”

are you really an attorney? Most 13 filers are trying to SAVE their homes AND are in arrearages!! My plan was for five years – ALL arrearages would be paid. ALL are BEING paid each month. PLUS the trustee had no problem with the PLAN at the First Meeting. No one appeared for the mortgage company and no other creditor appeared. So. are you saying that a million people filing 13’s to save their homes belong in a 7? Are you saying that over a million people whio file 13’s are trying to hold on to a “liability.”?
That’s odd, because my understanding is that with a 7, if you are behind you can’t save your home. You do a 7 if you are CURRENT on your mortgage payments.
You’re a bankruptcy lawyer?
hummm.
I hope you read this…
humm
Grumpy removed his answer because its doubtful that he is a bankruptcy attorney as he represented he was. His suggestion was way off base and not one that would be given by a legitimate attorney.

Chapter 13 Bankruptcy. Danger of dismissal. What do I do? is a post from: Find Bankrupcy Attorney

Chapter 13 Bankruptcy

admin — Mon, 07 Jun 2010 00:16:43 +0000

Indiana Bankruptcy Attorney Doug Allen Bernacchi explains Chapter 13 basics

Chapter 13 Bankruptcy is a post from: Find Bankrupcy Attorney

New York Bankruptcy Attorney Explains Chapter 7 Bankruptcy in New York

admin — Fri, 04 Jun 2010 04:03:08 +0000

New York bankruptcy lawyer Jeffrey B. Peltz explains Chapter 7 Bankruptcy in New York.

New York Bankruptcy Attorney Explains Chapter 7 Bankruptcy in New York is a post from: Find Bankrupcy Attorney

Personal bankruptcy

Chung Lawson — Thu, 03 Jun 2010 09:33:17 +0000

Generally speaking, individuals think more than twice before filing a bankruptcy application. One of the reasons for this hesitation is the stigma that they and their family members would carry once …

Personal bankruptcy is a post from: Find Bankrupcy Attorney

Dallas Chapter 13 Bankruptcy Attorney Repayment Lawyer Texas

admin — Thu, 03 Jun 2010 00:12:52 +0000

www.galyen.com Do you have credit issues? Thinking about filing Chapter 13 bankruptcy? Find out what your options are. The law office of Bailey & Galyen can help. Call 817-868-5500

Dallas Chapter 13 Bankruptcy Attorney Repayment Lawyer Texas is a post from: Find Bankrupcy Attorney

Qualifying for Chapter 7 Bankruptcy in Minnesota

admin — Mon, 31 May 2010 08:46:11 +0000

Minneapolis area bankruptcy attorney David Kelly discusses income and other requirements for filing personal Chapter 7 bankruptcy in Minnesota, from Attorney David Kelly, Minnetonka, near Minneapolis, St. Louis Park, Hopkins, Golden Valley and Plymouth. This is the kind of bankruptcy which is the usually first choice of individuals who are in serious financial difficulty. It is very well suited to consumer debts, but often works well for self-employed individuals and small businesses too. It is commonly called a “straight” bankruptcy, and is also often referred to as a “liquidation.” The bankruptcy court appoints a trustee who reviews what assets the debtor has available for distribution to creditors. Those would be only the assets that the debtor is unable to claim as exempt. If some assets are available, the creditors are notified. Those who submit claim forms will be given their proportionate share of the available assets, but that is ordinarily all they are going to receive. Since this video was made the median income requirements which the video refers to have gone up twice, so those numbers in the video are out of date. Up to date numbers for median income in Minnesota can be found on Dave Kelly’s web site at www.mn-bankruptcy.com Kelly Law Office 1013 Ford Rd. Minnetonka, MN 55305 952-544-6356 www.mn-bankruptcy.com Kelly Law Office represents bankruptcy clients throughout the Twin Cities – Minneapolis, Minnesota area including Bloomington, Edina, Minnetonka, Eden …

Qualifying for Chapter 7 Bankruptcy in Minnesota is a post from: Find Bankrupcy Attorney

Bankruptcy Lawyers in Charlotte NC – What is a Chapter 13 bankruptcy?

admin — Sun, 30 May 2010 00:17:44 +0000

The bankruptcy attorney Lee Schwilm practices Chapter 7 & Chapter 13 bankruptcy law in Charlotte, North Carolina. Are you looking for a liquidation lawyer? Contact Schwilm Law firm for legal consultation .

Bankruptcy Lawyers in Charlotte NC – What is a Chapter 13 bankruptcy? is a post from: Find Bankrupcy Attorney

Chapter 7 Denver Bankruptcy Attorney Milwid & Schlosser

admin — Sat, 29 May 2010 13:41:14 +0000

www.milwidschlosser.com Chapter 7 bankruptcy is part of a federal statute designed to protect people from their creditors. Contact a lawyer Milwid & Schlosser, PC in Denver, Colorado for help with your case. Call (303) 831-0733.

Chapter 7 Denver Bankruptcy Attorney Milwid & Schlosser is a post from: Find Bankrupcy Attorney

How long does the chapter 13 bankruptcy process take?

admin — Fri, 28 May 2010 00:12:40 +0000

www.Savedme.com 800-728-3363 800-SAVEDME. Bankruptcy Attorney Jamie Ryke of the Second Start Bankruptcy Law Firm talks about how long the chapter 13 bankruptcy process takes. Our Second Start bankruptcy office represent clients throughout the state of Michigan and the Chicago Metropolitan Area, we can help you get a second start.

How long does the chapter 13 bankruptcy process take? is a post from: Find Bankrupcy Attorney

Chapter 7 and 13 – Bankruptcy Attorney in Orange County

admin — Tue, 25 May 2010 18:28:20 +0000

Attorney Bruce Bridgman discusses Chapter 7 and Chapter 13 bankruptcy. The Law Offices of Bruce C. Bridgman handles all bankruptcy matters including Chapter 7 and 13 Bankruptcy, Home Foreclosures, Loan Modifications, Debt Consolidation, Short Sales and more throughout Orange County, California. You can contact Mr. Bridgman at www.TheBestLawyersInTown.com or by calling 800-763-1579.

Chapter 7 and 13 – Bankruptcy Attorney in Orange County is a post from: Find Bankrupcy Attorney