Rhode Island Bankruptcy Attorneys http://www.heberglaw.com Chapter 13 bankruptcy | Chapter 7 bankruptcy Tue, 31 Jan 2012 20:44:32 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 Friend opened a credit account for me. Is she liable if I file for bankruptcy? http://www.heberglaw.com/2012/01/friend-opened-a-credit-account-for-me-is-she-liable-if-i-file-for-bankruptcy/ http://www.heberglaw.com/2012/01/friend-opened-a-credit-account-for-me-is-she-liable-if-i-file-for-bankruptcy/#comments Tue, 31 Jan 2012 20:44:32 +0000 admin http://www.heberglaw.com/?p=123 Additional Information:

I’m a student in RI, working 2 jobs but have terrible credit.  A friend opened a credit card account and listed me as an authorized user.  I filed for bankruptcy and the account has been labeled as bankruptcy on my credit report.  My question is since my friend never used the card, is she actually responsible for the amount owed on the account or can she dispute it somehow since she had never actually used the card?

ATTORNEY ANSWER:

Unfortunately, your friend is as responsible as you are for the debt whether she used the card or not. When she signed the credit card agreement, she agreed to cosign for you. This means the bank can look to recover any balance owed on the card from her as well as you. 

Rhode Island Bankruptcy Lawyer, Christopher E. Heberg, provides legal representation for all bankruptcy related matters including filing for Chapter 7 and Chapter 13 bankruptcy for individuals in Rhode Island including the communities of: Providence, Cranston,  Coventry, Cumberland, East Greenwich, East Providence, Johnston, Lincoln, North Kingstown, North Providence, Pawtucket, Riverside, Smithfield, Warwick, West Warwick, Warren, Woonsocket, Bristol and Barrington, Rhode Island.

]]> http://www.heberglaw.com/2012/01/friend-opened-a-credit-account-for-me-is-she-liable-if-i-file-for-bankruptcy/feed/ 0 Do I need to list a non-documented payment when I file Chapter 7? http://www.heberglaw.com/2012/01/do-i-need-to-list-a-non-documented-payment-to-my-father-when-i-file-chapter-7/ http://www.heberglaw.com/2012/01/do-i-need-to-list-a-non-documented-payment-to-my-father-when-i-file-chapter-7/#comments Thu, 26 Jan 2012 20:41:01 +0000 admin http://www.heberglaw.com/?p=118 Additional Information:

I am filing for protection under Chapter 7. A few months ago my father purchased a car in Johnston.  His name is on the Title but he gave the car to me to use, and I am paying him to use the car. We didn’t sign any papers or anything, it was just the verbal agreement. Should I list the money as payments made to an insider in the bankruptcy? Will the Trustee seek to recover those funds from my father? Will I be able to reaffirm this lease and keep the car?

ATTORNEY ANSWER:

You absolutely should list the payments made to your father. Failing to list them could be considered fraud. However, you probably will be able to keep the car through the Bankruptcy process so it is best to be open and honest about your arrangement. 

Johnston Bankruptcy Attorney, Christopher E. Heberg, provides legal representation for all bankruptcy related matters including filing for Chapter 7 and Chapter 13 bankruptcy for individuals in the community of Johnston and surrounding towns including Providence, Cranston,  Coventry, Cumberland, East Greenwich, East Providence, Johnston, Lincoln, North Kingstown, North Providence, Pawtucket, Riverside, Smithfield, Warwick, West Warwick, Warren, Woonsocket, Bristol and Barrington, Rhode Island.

 

]]> http://www.heberglaw.com/2012/01/do-i-need-to-list-a-non-documented-payment-to-my-father-when-i-file-chapter-7/feed/ 0 What happens to my loans and debts if I file for bankruptcy? http://www.heberglaw.com/2011/11/what-happens-to-my-loans-and-debts-if-i-file-for-bankruptcy/ http://www.heberglaw.com/2011/11/what-happens-to-my-loans-and-debts-if-i-file-for-bankruptcy/#comments Fri, 11 Nov 2011 20:02:29 +0000 admin http://www.heberglaw.com/?p=115 Additional Information:

I’m starting to think about filing for bankruptcy in RI.  What will happen to my student loans and tax debts if I file for personal bankruptcy?  Do they get dismissed or put off until I can pay them?

ATTORNEY ANSWER:

You can not discharge tax debts. You also can not discharge student loan debts if they are federally guaranteed student loans. If they are purely private in nature, like through a bank without federal assistance, you may be able to discharge the loan completely. The lenders may choose to try and collect from you through the use of collection agencies or Court appearances. You will need to work out a payment arrangement.

Rhode Island bankruptcy attorney, Christopher E. Heberg, serves the entire Rhode Island community in all bankruptcy related matters including filing for Chapter 7 and Chapter 13 bankruptcy.

To schedule your free initial consultation with an experienced and understanding Rhode Island bankruptcy lawyer, call our office or fill out the form on this site. Our firm handles bankruptcy cases throughout Rhode Island including Providence, Cranston, Coventry, Cumberland, East Greenwich, East Providence, Johnston, Lincoln, North Kingstown, North Providence, Pawtucket, Riverside, Smithfield, Warwick, West Warwick, Warren, Woonsocket, Bristol and Barrington, Rhode Island.

]]> http://www.heberglaw.com/2011/11/what-happens-to-my-loans-and-debts-if-i-file-for-bankruptcy/feed/ 0 Does bankruptcy stay on your credit history forever? http://www.heberglaw.com/2011/10/does-bankruptcy-stay-on-your-credit-history-forever/ http://www.heberglaw.com/2011/10/does-bankruptcy-stay-on-your-credit-history-forever/#comments Fri, 28 Oct 2011 18:50:50 +0000 admin http://www.heberglaw.com/?p=112 Additional Information:

I’m considering filing for Chapter 13 bankruptcy.  I’m currently crashing at a friend’s place in Cranston but will eventually need to get my own place.  Will I be able to rent an apartment or renew a lease?  I’m assuming filing for bankruptcy stays on your credit history forever?

ATTORNEY ANSWER:

You should be able to rent an apartment, but you will take a credit hit for some time. This may mean that you could pay more for an apartment, or some landlords may not even rent to you. How long your credit actually suffers depends upon how well you can fix your credit score. This generally takes most people two to three years.

Cranston bankruptcy lawyers, Christopher E. Heberg, serves the entire Rhode Island community in all bankruptcy related matters including filing for Chapter 7 and Chapter 13 bankruptcy.

To schedule your free initial consultation with an experienced and understanding Rhode Island bankruptcy lawyer, call our office or fill out the form on this site. Our firm handles bankruptcy cases throughout Rhode Island including Providence, Cranston, Coventry, Cumberland, East Greenwich, East Providence, Johnston, Lincoln, North Kingstown, North Providence, Pawtucket, Riverside, Smithfield, Warwick, West Warwick, Warren, Woonsocket, Bristol and Barrington, Rhode Island.

]]> http://www.heberglaw.com/2011/10/does-bankruptcy-stay-on-your-credit-history-forever/feed/ 0 Will I be able to obtain credit after filing for bankruptcy? http://www.heberglaw.com/2011/07/will-i-be-able-to-obtain-credit-after-filing-for-bankruptcy/ http://www.heberglaw.com/2011/07/will-i-be-able-to-obtain-credit-after-filing-for-bankruptcy/#comments Tue, 26 Jul 2011 20:10:22 +0000 admin http://www.heberglaw.com/?p=109 Additional Information:

I filed for personal bankruptcy in Rhode Island.  Will I be able to obtain credit after filing for personal bankruptcy?

ATTORNEY ANSWER:

You almost certainly will be able to obtain credit shortly after a Bankruptcy. You may pay a higher interest rate and you may receive less credit but you should be able to qualify almost immediately.

Rhode Island bankruptcy lawyer, Christopher E. Heberg serves the entire Rhode Island community in all bankruptcy related matters including filing for Chapter 7 and Chapter 13 bankruptcy.

To schedule your free initial consultation with an experienced and understanding Rhode Island bankruptcy lawyer, call our office or fill out the form on this site. Our firm handles bankruptcy cases throughout Rhode Island including Providence, Cranston, Coventry, Cumberland, East Greenwich, East Providence, Johnston, Lincoln, North Kingstown, North Providence, Pawtucket, Riverside, Smithfield, Warwick, West Warwick, Warren, Woonsocket, Bristol and Barrington, Rhode Island.

 

]]> http://www.heberglaw.com/2011/07/will-i-be-able-to-obtain-credit-after-filing-for-bankruptcy/feed/ 0 Can I amend my bankruptcy debt papers? http://www.heberglaw.com/2011/07/can-i-amend-my-bankruptcy-debt-papers/ http://www.heberglaw.com/2011/07/can-i-amend-my-bankruptcy-debt-papers/#comments Tue, 19 Jul 2011 20:10:13 +0000 admin http://www.heberglaw.com/?p=107 Additional Information:

I filed Chapter 7 bankruptcy in Rhode Island and mistakenly forgot to list a substantial doctor’s bill as a debt.  Am I now responsible for this bill or can I file to amend my bankruptcy?

ATTORNEY ANSWER:

Yes you can generally amend a Bankruptcy petition, you should check with your RI Bankruptcy attorney immediately as amendments to a petition are time sensitive and should be done as soon after a discharge as possible.

RI bankruptcy attorney, Christopher E. Heberg serves the entire Rhode Island community in all bankruptcy related matters including filing for Chapter 7 and Chapter 13 bankruptcy.

To schedule your free initial consultation with an experienced and understanding RI bankruptcy lawyer, call our office or fill out the form on this site. Our firm handles bankruptcy cases throughout Rhode Island including Providence, Cranston, Coventry, Cumberland, East Greenwich, East Providence, Johnston, Lincoln, North Kingstown, North Providence, Pawtucket, Riverside, Smithfield, Warwick, West Warwick, Warren, Woonsocket, Bristol and Barrington, Rhode Island.

 

]]> http://www.heberglaw.com/2011/07/can-i-amend-my-bankruptcy-debt-papers/feed/ 0 The company just filed Chapter 7 Bankruptcy. http://www.heberglaw.com/2011/05/the-company-just-filed-chapter-7-bankruptcy/ http://www.heberglaw.com/2011/05/the-company-just-filed-chapter-7-bankruptcy/#comments Tue, 10 May 2011 17:14:01 +0000 admin http://www.heberglaw.com/?p=103 Additional Information:

I pay monthly dues for a time share.  The company just field chapter 7 bankruptcy, am I still liable to pay?

ATTORNEY ANSWER:

Unfortunately, yes you still must pay. They are trying to avoid their obligations to their creditors it should not affect your obligation to pay them a monthly fee.

RI bankruptcy attorney, Christopher E. Heberg serves the entire Rhode Island community in all bankruptcy related matters including filing for Chapter 7 and Chapter 13 bankruptcy.

To schedule your free initial consultation with an experienced and understanding RI bankruptcy lawyer, call our office or fill out the form on this site. Our firm handles bankruptcy cases throughout Rhode Island including Providence, Cranston, Coventry, Cumberland, East Greenwich, East Providence, Johnston, Lincoln, North Kingstown, North Providence, Pawtucket, Riverside, Smithfield, Warwick, West Warwick, Warren, Woonsocket, Bristol and Barrington, Rhode Island.

]]> http://www.heberglaw.com/2011/05/the-company-just-filed-chapter-7-bankruptcy/feed/ 0 I just filed pro se bankruptcy 7. http://www.heberglaw.com/2011/05/i-just-filed-pro-se-bankruptcy-7/ http://www.heberglaw.com/2011/05/i-just-filed-pro-se-bankruptcy-7/#comments Tue, 03 May 2011 17:13:27 +0000 admin http://www.heberglaw.com/?p=101 Additional Information:

I want to reaffirm my auto loan. My mother co signed for my auto loan. Can this be done?

ATTORNEY ANSWER:

Sure, you can reaffirm anytime you want, but beware our Bankruptcy Judge does NOT like reaffirmation agreements. There is a substantial likelihood that he will not allow you to do this even if you want to. Keep in mind that it is probably not necessary anyhow as the lien holder probably will not repossess your car so long as you continue to make payments. You must remember to send in payments, once you declare a bankruptcy, you will no longer get a bill form your lien holder you must send in payment on your own.

RI bankruptcy attorney, Christopher E. Heberg serves the entire Rhode Island community in all bankruptcy related matters including filing for Chapter 7 and Chapter 13 bankruptcy.

To schedule your free initial consultation with an experienced and understanding RI bankruptcy lawyer, call our office or fill out the form on this site. Our firm handles bankruptcy cases throughout Rhode Island including Providence, Cranston, Coventry, Cumberland, East Greenwich, East Providence, Johnston, Lincoln, North Kingstown, North Providence, Pawtucket, Riverside, Smithfield, Warwick, West Warwick, Warren, Woonsocket, Bristol and Barrington, Rhode Island.

]]> http://www.heberglaw.com/2011/05/i-just-filed-pro-se-bankruptcy-7/feed/ 0 If I file for bankruptcy, who will know about it? Does filing for bankruptcy affect my taxes? http://www.heberglaw.com/2011/01/if-i-file-for-bankruptcy-who-will-know-about-it-does-filing-for-bankruptcy-affect-my-taxes/ http://www.heberglaw.com/2011/01/if-i-file-for-bankruptcy-who-will-know-about-it-does-filing-for-bankruptcy-affect-my-taxes/#comments Thu, 27 Jan 2011 19:04:42 +0000 admin http://www.heberglaw.com/?p=98

ATTORNEY ANSWER:

In almost all cases the only people who will be made aware of your Bankruptcy Petition are your creditors. Friends, family and coworkers are not contacted. While the information filed with the Court is public, no affirmative action is taken by the Court to notify anyone other than a creditor. Actions taken by creditors to notify friends or family may be illegal and violate the Federal Fair Debt Collection Practices Act.

RI bankruptcy attorney, Christopher E. Heberg serves the entire Rhode Island community in all bankruptcy related matters including filing for Chapter 7 and Chapter 13 bankruptcy.

To schedule your free initial consultation with an experienced and understanding RI bankruptcy lawyer, call our office or fill out the form on this site. Our firm handles bankruptcy cases throughout Rhode Island including Providence, Cranston, Coventry, Cumberland, East Greenwich, East Providence, Johnston, Lincoln, North Kingstown, North Providence, Pawtucket, Riverside, Smithfield, Warwick, West Warwick, Warren, Woonsocket, Bristol and Barrington, Rhode Island.

]]> http://www.heberglaw.com/2011/01/if-i-file-for-bankruptcy-who-will-know-about-it-does-filing-for-bankruptcy-affect-my-taxes/feed/ 0 I am planning to file Chapter 7 bankruptcy. Does my spouse have to file jointly with me? http://www.heberglaw.com/2011/01/i-am-planning-to-file-chapter-7-bankruptcy-does-my-spouse-have-to-file-jointly-with-me/ http://www.heberglaw.com/2011/01/i-am-planning-to-file-chapter-7-bankruptcy-does-my-spouse-have-to-file-jointly-with-me/#comments Wed, 19 Jan 2011 19:03:38 +0000 admin http://www.heberglaw.com/?p=94

ATTORNEY ANSWER:

Not necessarily. Whether to file a Joint Petition for Bankruptcy or an individual Petition depends upon the unique circumstances of your case and should be discussed with attorney Heberg. However, you are not obligated to file a Bankruptcy Petition just because your spouse has.

RI bankruptcy attorney, Christopher E. Heberg serves the entire Rhode Island community in all bankruptcy related matters including filing for Chapter 7 and Chapter 13 bankruptcy.

To schedule your free initial consultation with an experienced and understanding RI bankruptcy lawyer, call our office or fill out the form on this site. Our firm handles bankruptcy cases throughout Rhode Island including Providence, Cranston, Coventry, Cumberland, East Greenwich, East Providence, Johnston, Lincoln, North Kingstown, North Providence, Pawtucket, Riverside, Smithfield, Warwick, West Warwick, Warren, Woonsocket, Bristol and Barrington, Rhode Island.

]]> http://www.heberglaw.com/2011/01/i-am-planning-to-file-chapter-7-bankruptcy-does-my-spouse-have-to-file-jointly-with-me/feed/ 0