Q&A’s

 

  • Can I file Chapter 7 online in Michigan? How would I find all the creditors that I need? Had an unexpected medical problem almost two years ago, with working and paying bills, I hardly have money left over to buy any food or necessities for me and my children.
    Asked 4 months ago in Chapter 7
  • Geoffrey’s answer: The Court has a system to allow for electronic filings. However, as said by an earlier answerer, it requires a class and a password and is not intended for one time users (non attorneys). You can find most of your creditors online by obtaining a credit report. www.annualcreditreport.com. Give me a call or schedule a consultation if you would like to discuss.
    Answered 4 months ago

  •  My car was seized to cover a judgement of a credit card. Can I get my car back? The court officer said to call him to make payment arrangements and he is not returning my phone call.
    Asked about 2 years ago in Bankruptcy
  • Geoffrey’s answer: Filing bankruptcy may allow you to get the car back depending on when the car was seized, and you may be able to keep the car in bankruptcy depending on the value of the vehicle and the exemptions you have. You should consult a local attorney or two as soon as possible. You can e-mail our office if you have questions.
    Answered about 2 years ago

  • Should I claim bankruptcy? My home was sold at sheriff sale last month. The bank paid the whole amount left on the mortgage. The attorney I spoke with said not file bankruptcy. He said they shouldn’t go after me for the unpaid mortgage. Here is a quick list of debt. 1st mortgage 92k 2nd mortgage 10k personal loan 9k income is about 50k with my wife’s included.
    Asked about 2 years ago in Bankruptcy
  • Geoffrey’s answer: Did the sheriff’s sale also pay off the 2nd mortgage? If it did not, it depends on whether discharging 19k in debt is enough to warrant filing bankruptcy. You should analyze your financial situation to see if you have enough income to make payments on the remaining debt. Depending on your household size and overall financial picture, it may, or may not, make sense to file. If you need help you can contact our office by phone or e-mail.
    Answered about 2 years ago
  • Can I file Chapter 7 online in Michigan? How would I find all the creditors that I need?

    Had an unexpected medical problem almost two years ago, with working and paying bills, I hardly have money left over to buy any food or necessities for me and my children.

    Geoffrey’s Answer

    The Court has a system to allow for electronic filings. However, as said by an earlier answerer, it requires a class and a password and is not intended for one time users (non attorneys). You can find most of your creditors online by obtaining a credit report. www.annualcreditreport.com. Give me a call or schedule a consultation if you would like to discuss

    See question 

  • My car was seized to cover a judgement of a credit card. Can I get my car back?

    The court officer said to call him to make payment arrangements and he is not returning my phone call.

    Geoffrey’s Answer

    Filing bankruptcy may allow you to get the car back depending on when the car was seized, and you may be able to keep the car in bankruptcy depending on the value of the vehicle and the exemptions you have. You should consult a local attorney or two as soon as possible. You can e-mail our office if you have questions.

    See question 

  • Should i claim bankruptcy

    My home was sold at sheriff sale last month. The bank paid the whole amount left on the mortgage. The attorney i spoke with said not file bankruptcy. He said they shouldnt go after me for the unpaid mortgage. here is a quick list of debt. 1st m…

    Geoffrey’s Answer

    Did the sheriff’s sale also pay off the 2nd mortgage? If it did not, it depends on whether discharging 19k in debt is enough to warrant filing bankruptcy. You should analyze your financial situation to see if you have enough income to make payments on the remaining debt. Depending on your household size and overall financial picture, it may, or may not, make sense to file. If you need help you can contact our office by phone or e-mail.

    See question 

  • Are adult children responsible for your credit card debt if you pass away?

    There is no surviving spouse

    Geoffrey’s Answer

    They are not personally liable for any of your debts (they can’t be made to pay them back out of their own money) unless they are joint debts, i.e. your children also signed the note to pay the debt. However your estate may have to pay the debts and that could have an effect on your children by reducing the value of your estate.

    See question 

  • How long will it take for the bank to foreclose on our home that was listed in a bankruptcy once we stop making payments?

    My home was listed in the bankruptcy 2 years ago, but we continued to make the payments. We have tried to sell it for what we owe on it and can’t. We struggle to make the payments and have decieded to stop making payment. The bankruptcy was disc…

    Geoffrey’s Answer

    You should check to see if you reaffirmed the mortgage note. If it has not been reaffirmed then you do not have to worry about any deficiency on the mortgage post-foreclosure.

    The foreclosure itself will take anywhere from 3 months to a year (or more) and will be followed by a 6 month redemption period. During that time and the redemption time, you can continue to live in the house. Just pay utilities, insurance and association fees (if any).

    See question 

  • Who do we file our tax returns to. mail them directly to trustee or with courts.

    my 341 meeting was rescheduled because the trustee said we didn’t file the proper paperwork 7 days before the meeting. we figured out that it’s our tax returns we need to file. do we file them with the court like the other paperwork or send them d…

    Geoffrey’s Answer

    Additionally you should redact or black out the names of any children/dependents and their full social security numbers.