Recent content by hat

What is the name of your state? FL Does anyone know if I will receive one of the end of year debt write off for filing income tax. BK was discharged 9/03 and a deed in lieu was recorded 1/05. Owed $176,000 on the house and it sold for $150,000. Am I going to be responsible for reporting the...

What is the name of your state? FL I have followed the posts since my bankruptcy in 9/03. I have taken a lot of the advice given and am working hard to get myself back on my feet. Thanks to the information from this board and my hard work of keeping all bills paid on time and more than...

What is the name of your state? FL I read in a post that a deed in lieu has tax responsibilies. My husband's and mine BK was discharged in 9/2003 and home went back to mortgage company by deed in lieu and we received a satisfaction. Deed was recorded 1/05. What kind of taxes am I going to be...

What is the name of your state? FL I am writing for my son. Here is the long story -- My daddy put my son's name on the paid off homestead when mama died. Because of there being more than 1 grandchild daddy and my son took out a mortgage on the home so that there would be no family hard...

What is the name of your state? FL If you make $27,000 a year and a family of 4, is there a percentage as to how much your wages can be garnished in a foreclosure? Thanks

What is the name of your state? FL My daddy owned his home and when my mother died he deeded it to my son with a life estate to himself. He then wanted to take a mortgae on it which they did in both names. My son married in 2002 to a girl with a child and after a year of marriage started...

What is the name of your state? FL Our mortgage company accepted a deed in lieu of foreclosure from our BK discharged 9/03. The house has now sold and we have received a statisfaction of mortgage. Does that finish all obligations we had to the bank? My daughter wants to deed me a piece of...

What is the name of your state?What is the name of your state? FL Reaffirmed Sears MasterCard in July 2003 for a $750 balance. I have made every payment on time and have paid extra each month and have continued to use the card but never over my credit limit thinking that this would help my...

What is the name of your state?What is the name of your state? FL Received a copy of a document that reads "Plaintiff, (name), by and through its undersigned attorneys files this its voluntary dismissal without prejudice of the Complaint and Lis Pendens and hereby directs the Clerk of Court to...

What is the name of your state? FL I have read through the website for credit repair but still don't know the answer to my question which is? Why is it better for the debts to be reported as included or discharged in bankruptcy instead of saying charged off or past due or some of the other...

What is the name of your state? FL I received a credit report and need some advice. Not sure how my report is suppose to read after bankruptcy discharge in 9/03. Here are some of the statements: 1. Some of my debts are noted as Status - charge off/past due 2. Some are noted as Status -...

What is the name of your state? FL My son filed BK and discharged in 2003. He had to file because he lived with my dad and they split everything and had mortgaged the home and his name was 1/2 owner on it. Dad passed away and son didn't make enough money to continue paying for everything...

What is the name of your state? FL My son's BK was discharged in Aug 2003 and he had a 4-wheeler that was in the BK as secured property. He did not reaffirm. Probably 7-8 months after discharge my son got a letter from Bass & Associates about voluntarily surrendering property that was...

What is the name of your state? FL Yesterday I received from bank a warranty deed in lieu of foreclosure but there is a statement on there that I don't know how to answer. It reads "THE GRANTORS further warrants and represents that the property conveyed herein is not the homestead of said...

What is the name of your state? FL Thanks to all of you for previous input to my questions BK was discharged in 9/03 and house not reaffirmed. Last payment on house was 4/04 and letter received from bank in July 04 of foreclosure proceedings. Received letter from bank stating they would...