Changing jobs in Chapter 13 Letter to "Ask Leon"My wife and I filed a chapter 13 bankruptcy last October. This spring I was on unemployment for about three months because of a work slowdown. We were allowed to work 60% of our unemployment. Now I vacation for three weeks and my job is still up [...]
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 [...]
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 [...]
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 [...]
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 [...]
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. [...]
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 [...]
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 [...]
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 [...]
Debt Trouble Again After Bankruptcy Letter to "Ask Leon" In February of this year I became ill and was forced to shut down my EBay business. Currently I owe them approximately $47,000 in fees. I still do not have an income. I live with my adult children. A few years ago my ex-husband and I [...]