Tag: post-bankruptcy Archive
Post-Bankruptcy: When is My Name Removed from the Deed?
Justin Harelik
September 2, 2015
Once you’ve filed for Chapter 7 bankruptcy and received your discharge of debts, your mortgage lender’s attorneys could still contact you even if you included your home in your bankruptcy. Such letters will often urge you to contact the lender for options: loan modification, short sale, deed-in-lieu of foreclosure, forbearance, ...
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Post-Bankruptcy: My Car is Paid Off, But I Have a Title Loan Against It
Justin Harelik
July 21, 2015
The first time I had a client advise me that their car was paid off, but that they had a title loan against it, I was a little bit confused. After wading through the confusion and ascertaining a few facts, the story became clear. Now that I’m an experienced southern ...
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Post-Bankruptcy: Can I Own Land in My Own Name After Filing Chapter 7 Bankruptcy?
Justin Harelik
June 18, 2015
Many filing bankruptcy wonder whether or not it’s possible to put property in their own name after filing Chapter 7 bankruptcy. Others assume that there’s a waiting period for owning property in their own name post-bankruptcy. If you’re wondering how long you have to wait to put your name on property after ...
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Reaffirming a Mortgage in Southern California
Justin Harelik
June 17, 2015
If you have filed for bankruptcy in southern California and you owned your own home when you did so, you may be wondering about reaffirming your mortgage. What does it mean to reaffirm your mortgage in Southern California? This means that you filed for bankruptcy and once it was completed, ...
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Payday Loan Scams And Bankruptcy
Justin Harelik
June 15, 2015
Payday loan scams can happen both during bankruptcy and post-bankruptcy. They have become a problem over the last few years as they can get pretty nasty and very scary. Luckily, if you know what to look for, they are easy to recognize. The Payday Loan Scam: You have a payday ...
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Bankruptcy Protection and What to Do When Creditors Ignore It
Justin Harelik
June 5, 2015
Sometimes creditors seem to completely ignore bankruptcy protection. For petitioners it can be extremely frustrating as one of the main benefits of filing for bankruptcy is to obtain relief from creditors seeking payment that isn’t available. When creditors ignore the protection provided by bankruptcy, there is action you can take. ...
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Post Bankruptcy: Business Credit Cards and Personal Liability
Justin Harelik
June 1, 2015
When an individual files for bankruptcy both personally and for their business, credit accounts for the business that had the spouse’s name listed will sometimes come back for payment on the debt post bankruptcy. They’ll get in touch with the spouse who did not file bankruptcy. In some cases, even ...
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Receiving Collection Letters Post Bankruptcy
Justin Harelik
April 28, 2015
When a creditor does not properly cancel out an account that is listed in a bankruptcy discharge, filers who have received a discharge of debt may receive collection letters post bankruptcy. If you find yourself receiving collection letters post bankruptcy, remember that this is common and easily addressed. Sometimes accounts ...
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What happens to my home if I file for bankruptcy?
Justin Harelik
April 21, 2015
Many worry about their living arrangements post-bankruptcy. What happens to my home if I file for bankruptcy? Will you be able to buy a home in the future if you’ve got a bankruptcy on your record? Will you be approved for long-term lease agreements even though you’ve filed for bankruptcy? Addressing ...
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Bankruptcy and Divorce: Can the Lender Be Forced to Remove an Ex’s Name from the Title?
Justin Harelik
April 20, 2015
Many individuals find themselves wishing there was a magical method to force a lender to remove an “ex’s” name from the deed to a house post-divorce. They find themselves unable to refinance even if the home was given to them as a part of the divorce decree. Some assume that they ...
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