Bankruptcy & Rent Letter to "Ask Leon"We are about to file for Chapter 7 and rent an apartment on a month to month basis. Aside from being late with the rent a few times, we have always paid our rent. My question is, can we lose our apartment because we've filed for bankruptcy? We also [...]
Credit Card 90 Day Rule Letter to "Ask Leon"Will you explain the rules surrounding credit card use prior to filing chapter 7? The reason I ask is, I am a loan officer in Michigan and our mortgage business is a mess out here. I haven't closed a loan in some time. I've been using credit [...]
Chapter 7 or 13? Letter to "Ask Leon"I live in Tennessee. I am a single mom with 3 dependents for tax purposes and I know I need to file bankruptcy. I just don't know which one is more appropriate for me. I own my home, have a Home Equity Line of Credit that is maxed [...]
Abandonment of Property after Bankruptcy Letter to "Ask Leon"My husband and I filed bankruptcy in 2003 and discharged in 2003. My problem is that after we were discharged we called our car loan place to have them pick up the car that was discharged. They told us that they have abandoned property and are NOT [...]
Removal of Bankruptcy From Public Records Letter to "Ask Leon"What can you do to remove the fact that you have filed for Bankruptcy but it has been cleared from your public record? How do you or change the notification of a Judgment?Leon Says...Bankruptcy will stay on your credit record for 10 years. If it has [...]
Credit Report Letter to "Ask Leon"Dear Leon, I am a resident of Virginia. Who do I get the proper credit report from in the proper form? Who do I get the credit counsel certificate from? Or do I file to try to make myself exempt from this. I am trying to file myself. I do [...]
Student loans and evictions - Is bankruptcy right? Letter to "Ask Leon"Dear Leon: I have 12-year-old student loans, plus other debts from 7-12 years ago, plus a few medical bills and other small debts that are more recent. I also believe that there are some judgments against me from an eviction about 5 years ago. [...]
Home Equity Letter to "Ask Leon"I have a home in my name but my niece and her husband’s names are on title. They, however, are not on my loan documents, just the Title. They pay 1/2 the mortgage every month and live in the house. I am thinking about filing bankruptcy. I went to a [...]
Chapter 7 & Spouse Income Letter to "Ask Leon"I am in Michigan and am looking at filing Chapter 7. I would have a hard time passing the means test if my wife’s income is included. The mortgages are in my name. My vehicle is in my name and the delinquent debts and aJ are in [...]
Can I file bankruptcy in my name only without including my husband and debts in his name? Letter to "Ask Leon"Dear Leon, I have acquired approx $25,000 in credit card debt. Some of it was prior to getting married and some after. We were married 3 years ago. Can I file bankruptcy in my name [...]