AV Preeminent Peer Rated Attorneys
Stevinson Residents, consider several factors when selecting a lawyer including their experience, expertise, and reputation. AV Rated Attorneys represent a distinguished group of lawyers who have received top ratings from their peers for their exceptional ethical standards and an A grade (4.5 or higher).
AV Preeminent Peer Rated Attorneys
Stevinson Residents, consider several factors when selecting a lawyer ... Learn More
AV Preeminent Peer Rated Attorneys
Stevinson Residents, consider several factors when selecting a lawyer including their experience, expertise, and reputation. AV Rated Attorneys represent a distinguished group of lawyers who have received top ratings from their peers for their exceptional ethical standards and an A grade (4.5 or higher).

Axel B. Gomez, Attorney at Law

5.0
1 Review

  • Serving Stevinson, CA and Merced County, California

  • Law Firm with 2 lawyers

  • A law firm practicing bankruptcy law.

  • Bankruptcy LawyersPersonal Injury, Car Accidents, and 33 more

Axel Gomez
Member
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Baker Manock & Jensen, PC

4.6
110 Reviews

  • Serving Stevinson, CA and Merced County, California

  • Law Firm with 28 lawyers2 awards

  • Baker Manock & Jensen is one of the oldest and most widely respected law firms in Central California.Although we are located in Fresno, many of our specialty practices are... Read More

  • Bankruptcy LawyersCivil Litigation, Trial Practice, and 176 more

Jan T. Perkins
Bankruptcy Lawyer
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Looking for Bankruptcy Lawyers in Stevinson?

Bankruptcy lawyers help individuals and businesses find relief from overwhelming debt. They analyze your financial situation and guide you through processes like Chapter 7 liquidation or Chapter 13 reorganization. Their goal is to stop creditor harassment, protect your assets, and provide a legal path to a fresh financial start.

About our Bankruptcy Lawyers Ratings

The average lawyer rating is created by peers based on legal expertise, ethical standards, quality of service, and relationship skills. Recommendations are made by real clients.

CLIENT RECOMMENDED
50 %

4 Client Reviews

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4.6

104 Peer Reviews

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Commonly Asked Bankruptcy Questions From Users Near You

This information is not legal advice and is not guaranteed to be correct, complete or up-to-date. It is provided for general informational purposes only. If you need legal advice you should consult a licensed attorney in your area.

How will getting married affect my current chapter 13 bankruptcy?

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Answered by attorney Kathryn Ursula Tokarska (Unclaimed Profile)
Bankruptcy lawyer at Law Offices of Kathryn Tokarska
It could increase your Chapter 13 payment, decrease it, or make no difference at all. The specific answer will depend on more details about how this affects your financial situation (household income and living expenses) and the makeup of your specific chapter 13. Contact your attorney to discuss this.
It could increase your Chapter 13 payment, decrease it, or make no difference at all. The specific answer will depend on more details about how this affects your financial situation (household income and living expenses) and the makeup of your specific chapter 13. Contact your attorney to discuss this.
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Can you add the wildcard exemption to the homestead exemption to protect the exposed equity in you home in chapter 7?

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Answered by attorney Ronald K. Nims (Unclaimed Profile)
Bankruptcy lawyer at Ronald K. Nims
You do realize the Ohio homestead exemption is $132,900 ($265,800 for a married couple)? If your home equity is in excess of $132,900 ($265,800 married) you can also use the wildcard exemption if $1,225 ($2,450 married) but I generally would use the wildcard to protect other property. For example, if your home is worth $300,000, you're married and have no mortgage, you can use the $265,800 exemption which leaves $34,200 of equity exposed. However to actually use that exposed equity, the trustee would have to sell your house, pay the realtor and the other costs of sale and the trustee has no guarantee that she's going to actually get the $300,000 sales price, just the fact that the house is in bankruptcy is going to make the sale tougher. So maybe she only gets $280,000, now the costs will eat up the entire exposed equity and the trustee gets nothing. The trustee isn't going to sell a property unless there is a substantial amount of equity that she's sure she'll get free and clear, I'm not sure that the measly $2,450 of wildcard exemption will make any difference in that determination.
You do realize the Ohio homestead exemption is $132,900 ($265,800 for a married couple)? If your home equity is in excess of $132,900 ($265,800 married) you can also use the wildcard exemption if $1,225 ($2,450 married) but I generally would use the wildcard to protect other property. For example, if your home is worth $300,000, you're married and have no mortgage, you can use the $265,800 exemption which leaves $34,200 of equity exposed. However to actually use that exposed equity, the trustee would have to sell your house, pay the realtor and the other costs of sale and the trustee has no guarantee that she's going to actually get the $300,000 sales price, just the fact that the house is in bankruptcy is going to make the sale tougher. So maybe she only gets $280,000, now the costs will eat up the entire exposed equity and the trustee gets nothing. The trustee isn't going to sell a property unless there is a substantial amount of equity that she's sure she'll get free and clear, I'm not sure that the measly $2,450 of wildcard exemption will make any difference in that determination.
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Does this new company have to except the terms of the bankruptcy and us not reaffirming our mortgage?

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Answered by attorney Alan Emmerson Ramos (Unclaimed Profile)
Bankruptcy lawyer at Alan E. Ramos Law Offices
Your bankruptcy discharge is effective as to all debts that you had at the time you filed your bankruptcy petition. It does not matter that the servicing of your loan was transferred to another servicer; the new servicer has only the same rights that the prior servicer had. One problem that might arise is that it is not unusual that complete file information may not get to the new servicer, so they may be unaware of your discharge. You should make sure to open and read all of your mail. In the event that it appears that the new servicer is unaware of your discharge, you need to send them a copy of the discharge order (by certified mail, return receipt requested). Don't assume that they know what they are doing. Should they persist in demands (ignoring your discharge), contact your attorney.
Your bankruptcy discharge is effective as to all debts that you had at the time you filed your bankruptcy petition. It does not matter that the servicing of your loan was transferred to another servicer; the new servicer has only the same rights that the prior servicer had. One problem that might arise is that it is not unusual that complete file information may not get to the new servicer, so they may be unaware of your discharge. You should make sure to open and read all of your mail. In the event that it appears that the new servicer is unaware of your discharge, you need to send them a copy of the discharge order (by certified mail, return receipt requested). Don't assume that they know what they are doing. Should they persist in demands (ignoring your discharge), contact your attorney.
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