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    1. I

      JETX, Ladynred, cmorris, bigun, Who's Liable, etc...

      What is the name of your state?(If you can't figure it out you have worse problems than me.) And to all of the other regular posters to this board: I wish each and every one of you the best of new years and hope that 2005 will be MUCH better than 2004! :) :) :)
    2. I

      Laugh of the Day!

      What is the name of your state?AZ Since our BK is over I thought I'd start checking into what it would take to refi our home. One of the local cable channels has shows on homes for sale and information on mortgages. I caught the web site address at the end of the mortgage show and thought I'd...
    3. I

      Free Annual Credit Report

      What is the name of your state? AZ This is from the FTC's website: Credit Bureaus Announce How Consumers Can Access Free Credit Reports The three nationwide consumer reporting companies – Equifax, Experian, and TransUnion – today announced the Web address, toll-free telephone number, and...
    4. I

      Need legal interpretation of lien vs homestead

      What is the name of your state?Arizona In March of this year we had a default judgement recorded against us. In May we filed for chapter 7. We were discharged last month (October). I've been trying to figure out if we are protected against a lien on our home due to our state's homestead...
    5. I

      Have a problem with selling home????

      What is the name of your state? Arizona It looks like my husband is going to be leaving me and my kids. About 4 months prior to our getting married I purchased our home in my maiden name. He is not listed on the deed or the 1st mortgage. He is listed on the 2nd mortgage. The deed is still...
    6. I

      Judgment vs Homestead - Need help!

      What is the name of your state?Arizona Okay, I'm still trying to figure this out. How does the following homestead act protect me against a default judgment? I know they can't force the sale of my home but the way I read this is that it also protects any cash proceeds from the same of my home...
    7. I

      Need info on Arizona discharge paperwork?

      What is the name of your state? Arizona I received a paper from the Bankruptcy Court this afternoon stating that our discharge had been granted 10/8/04 - that's it. No schedule showing which creditors had been discharged. Is this normal procedure for AZ or should something else be coming in...
    8. I

      How long for discharge?

      What is the name of your state? Arizona. How long after the Creditors last date to object does it take to receive a discharge? Also, can a debtor call the bankruptcy court clerk to ask if there has been a final discharge on their case or do you have to go through Pacer to obtain that information?
    9. I

      Attempted collections during bankruptcy

      What is the name of your state? Arizona We filed bankruptcy on 6/10/04. Creditors meeting 07/23/04. Last day to object 09/21/04. Discharge SOON! What do you do if a creditor included in the bankruptcy continues to disregard the fact that you are protected under the automatic stay of the...
    10. I

      How to file a Motion to Avoid Judgment Lien?

      What is the name of your state?Arizona Can anyone provide a link to the necessary forms to file a motion to avoid a judgment lien? Received a judgment in March of this year. File for Chapter 7 in June. 341 Meeting was last month. Discharge is due sometime in October. We filed using a doc prep...
    11. I

      Can we sue?

      What is the name of your state?Arizona Our neighbor operates a business out of his home. One of his employees assaulted my husband while he was on their property. Our neighbor held my husband down so the employee could kick him in the head. Can we sue our neighbor's company since it was the...
    12. I

      Assault, Threatening & Intimidating, Disorderly Conduct

      What is the name of your state?Arizona My husband was recently charged with the 3 items listed in the title above. He's an ass and I'll be the first to admit it. His arraignment is next week and he plans to plead not guilty. I have done some research and found that all three charges are Class...
    13. I

      Creditor (credit card) sent me an unwanted reaffirmation agreement

      What is the name of your state?Arizona I received in the mail yesterday a letter from an attorney representing a company that I had purchased a computer through stating that I had requested a reaffirmation agreement and that I was to sign it and return it to them. I never requested a...
    14. I

      Bankruptcy Preparer Screwed Up My Paperwork! How do I Amend?

      What is the name of your state?Arizona I just picked up my paperwork from our bankruptcy preparer (the case was filed with the bankruptcy court 6/10/04). I found SEVERAL mistakes. 1. On Schedule A - Real Property: For our personal residence under Amount of Secured Claim they put 0! We...
    15. I

      BK 7 2nd Mortgage

      What is the name of your state? Arizona After reading an earlier post about cross collateral I checked the documents for our 2nd mortgage. We had an auto loan, credit card, checking account and 2nd mortgage all with the same lender (I know stupid, stupid, stupid!). Anyway, after reading the...
    16. I

      Speeding ticket for doing 50 in a 50!

      What is the name of your state?Arizona My husband received a speeding ticket today. In the box on the ticket asking for the approximate speed of the driver the police officer put 50. In the box asking for the posted speed limit the police officer put 50! The actual posted speed limit for...
    17. I

      How long can bank account remain frozen

      What is the name of your state? Arizona Our checking account was frozen due to a set off for a car we turned back into the bank. We have NOT yet filed for bankruptcy but plan to file the paperwork within the next week or so. I know they can legally take money out of our account and freeze it...
    18. I

      Chpt 7 - Want to keep house

      What is the name of your state? Arizona What is the process when filing for chapter 7 bankruptcy for keeping your house?
    19. I

      Reaffirming debt - 2 Mortgages

      What is the name of your state? Arizona How do you go about reaffirming your debt with mortgage holders? I have a 1st and 2nd. I am filing pro se. Do the creditors HAVE to reaffirm and what happens if they won't.
    20. I

      Can you get a checking account after bankruptcy?

      What is the name of your state? Arizona. I was curious as to whether or not it is possible to open a checking account after you have filed for bankruptcy? We currently have a checking account but are including it in the bankruptcy for NSF fees (long story - we have paid all of the people the...

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