Recent content by bobsalas

What is the name of your state (only U.S. law)? Oregon I am upside down in my mortgage. My house is worth about $130,000. I have a first mortgage for $117,000 (BofA) and a second for $32,000 (HFC). I have been trying to renogotiate my first with BofA for the past year. About 6 months ago they...

What is the name of your state (only U.S. law)? OR I was recently laid off from my job of 12 years as a software technical support representative. For the past 14 months I have had a persistent cough that can not be diagnosed. I have had chest x-rays, anitbiotics, cat scans, enhalers, nose...

What is the name of your state (only U.S. law)? OR My story is not much different than the other million people laid off this year, but I can't help wonder. I worked technical support for a software company. There are 4 hourly employees in our department. I earn the most, have the longest...

What is the name of your state (only U.S. law)? OR I am in month 34 of my 36 month Chapter 13 plan. I was just laid off and can receive $10,000 severamce pay if I sign some documents. Will my trustee claim this money? What if I continue tot pay the last 2 month and keep quite about the $10,000?

What is the name of your state (only U.S. law)? OREGON I am going to start a new business and am going to run up some expenses in 2008 - franchise fees, office supplies, stationary, office equipment, etc. - but do not expect to see any income until January or February 2009. Can I claim all of...

What is the name of your state? OR Just filed and won a small claims case by default. Now the problem is filing a judgment request. In oregon you have to prove that the default party is not a member of the armed forces. To do this you have to go to a website and input his name and DOB and...

What is the name of your state? OR My wife is a massage therapist and was working as a "contractor" for a spa. She was supposed to be paid every Monday for work completed the week ending 2 Sundays before - so she was always owed a week, at least. Every week the owner would pay in cash and often...

What is the name of your state? OR we filed for Ch 7 in 2005 but had to convert to Ch13 because we had some income. We submitted all of the documents in March or April 2006 but neglected one small bill that has grown from $80 to $300 these past 2 years. For the past 2 years I keep telling them...

What is the name of your state? OR I am a massage therapist and I work at 2 spas; one in town and the other about 45 miles away. For the most part I know if I have any appointments at one or the other spa scheduled for the day. But both are very popular spas and both get a great deal of walk...

What is the name of your state? OR In 2005 we filed for BK ch 7. I have a pretty good job, but my wife's job was out sourced. After we filed the trustee's office looked at our case and determined we had too much income. Also I mistakenly asnwere no to a few questions that I should have answered...

What is the name of your state? OR We filed for Chapter 13 under the old law and have been in repayment since 3/1/06. Someone told me (don't you just love hearing that) there is a loop hole in the new law that allows someone to petition to have the Ch 13 unsecured debts declared completed after...

What is the name of your state? OR We bought a new car in August 2005, then in September 2005 my wife lost her job, after missing one pay check we fell behind very fast and so filed BK Ch 13 in October under the old rules. We decided to let the new car go back and told both our attorney and...

What is the name of your state? OR Have to redo my Ch 13 filing to including two cars I have decided to give back to bank. As I go through this I was wondering if it is common to include something for charity? We did not budget any last year and I feel bad not being able to support my church...

What is the name of your state? OR Filed for Ch7 in Sept 05 but it was converted to a Ch 13 in March 06. My problem is that we decided to keep ou two cars which had loans from our credit union. In May of this year one of the cars' engine blew and needs about $3000 worth of repairs which we can...

What is the name of your state? Oregon I had my wife's car towed to our mechanic's shop after she noticed some loud knocking and loss of power. The mechanic said it sounded like something deep inside, like main bearings and said it would not be worth digging into it. Instead he would work up...