Liens in bankruptcy
Consumer Bankruptcy
2009.02.12 21:35 Consumer Bankruptcy
Resources for those interested in bankruptcy, with a primary focus on consumer Chapters 7 and 13.This subreddit is established to discuss bankruptcy in the United States. If you are posting ANYTHING regarding bankruptcy in a country other than the United States, you MUST identify the country about which you are posting. If you are posting from within the USA, please list your [state] in the title of your post. Questions about Canadian Bankruptcy are best directed to /PersonalFinanceCanada/
2018.03.14 05:44 DeathByEducation Learn about Student Loans in Bankruptcy
Whether you're an individual, organization, attorney, etc., this is where you can gather necessary resources and vital information’s involving case law, legal statutes, and other authorities to better understand Student Loan's in Bankruptcy.
2016.06.05 05:22 IamYourLord Smile Direct Club
This community provides unofficial support for those using SmileDirectClub (as well as all of the other aligner companies!) Check the top menu link for "Bankruptcy Info" for more information about continuing payments, retainers, and further treatment in light of the bankruptcy.
2024.05.15 16:55 AdQuirky4509 Information Regarding Friday's (May 17, 2024 - 9:00 AM, Pacific Time Zone) Hearing
ZoomGov meeting number: 161 583 2082
Password: 207441
Telephone conference lines: 1 (669) 254 5252 or 1 (646) 828 7666
(Members of the public, the press and parties in interest may participate by audio only using a telephone)
United States Bankruptcy Court
Central District of California San Fernando Valley
Martin R. Barash, Presiding
Courtroom 303
Calendar: Friday, May 17, 2024 - 9:00 AM
1:24-10646
#1.00 Synapse Financial Technologies, Inc. Debtor's Emergency Motion For An Order: (A) Approving Sale Of Substantially All Of The Debtor's Assets Free And Clear Of All Liens, Claims, Interests And Encumbrances; (B) Approving Assumption And Assignment Of Unexpired Leases And Executory Contracts And Determining Cure Amounts; (C) Waiving The 14-Day Stay Periods Of Bankruptcy Rules 6004(h) And 6006(d); And (D) Granting Related Relief
#2.00 Synapse Financial Technologies, Inc. Debtor's Emergency Motion For Entry Of An Order: (I) Authorizing The Continued Use Of Its Cash Management System; (II) Authorizing The Maintenance Of Certain Pre-Petition Bank Accounts; And (III) Authorizing Banks To Release Administrative Holds And/Or Freezes On The Debtor's Pre-Petition Accounts
#3.00 Synapse Financial Technologies, Inc. Emergency motion of Evolve Bank & Trust (Evolve) For An Order Directing The Debtor To Restore Evolves Access To The Debtors Dashboard System; Or, Alternatively, Authorizing Evolve To Close All Of The Debtors Demand
#4.00 Synapse Financial Technologies, Inc. Debtor's Emergency Motion For Entry Of An Interim Order: (I) Authorizing The Debtor To Use Cash Collateral; (II) Granting Adequate Protection; (III) Scheduling a Final Hearing; And (IV) Granting Related Relief
submitted by AdQuirky4509 to yotta [link] [comments]
Password: 207441
Telephone conference lines: 1 (669) 254 5252 or 1 (646) 828 7666
(Members of the public, the press and parties in interest may participate by audio only using a telephone)
United States Bankruptcy Court
Central District of California San Fernando Valley
Martin R. Barash, Presiding
Courtroom 303
Calendar: Friday, May 17, 2024 - 9:00 AM
1:24-10646
#1.00 Synapse Financial Technologies, Inc. Debtor's Emergency Motion For An Order: (A) Approving Sale Of Substantially All Of The Debtor's Assets Free And Clear Of All Liens, Claims, Interests And Encumbrances; (B) Approving Assumption And Assignment Of Unexpired Leases And Executory Contracts And Determining Cure Amounts; (C) Waiving The 14-Day Stay Periods Of Bankruptcy Rules 6004(h) And 6006(d); And (D) Granting Related Relief
#2.00 Synapse Financial Technologies, Inc. Debtor's Emergency Motion For Entry Of An Order: (I) Authorizing The Continued Use Of Its Cash Management System; (II) Authorizing The Maintenance Of Certain Pre-Petition Bank Accounts; And (III) Authorizing Banks To Release Administrative Holds And/Or Freezes On The Debtor's Pre-Petition Accounts
#3.00 Synapse Financial Technologies, Inc. Emergency motion of Evolve Bank & Trust (Evolve) For An Order Directing The Debtor To Restore Evolves Access To The Debtors Dashboard System; Or, Alternatively, Authorizing Evolve To Close All Of The Debtors Demand
#4.00 Synapse Financial Technologies, Inc. Debtor's Emergency Motion For Entry Of An Interim Order: (I) Authorizing The Debtor To Use Cash Collateral; (II) Granting Adequate Protection; (III) Scheduling a Final Hearing; And (IV) Granting Related Relief
2024.05.15 05:12 Moocao123 Clover vs AMC vs GME -- Moocao version
 | Good evening Clover Health investors submitted by Moocao123 to Healthcare_Anon [link] [comments] As the markets are now closed, and after hours markets are closed, I thought I would take some time to discuss some of the discussions that have occurred throughout the day. I would like to assure all of you that what GME and AMC experienced is definitely a meme rally, but what Clover has experienced is most definitely not. For Clover, it is a reversal to the actual bankruptcy peg of 1:1, which is an astonishing improvement and tells you the power of maniac retail short sellers. I will explain below, but first, our disclaimers: We strongly recommend against investing into Clover Health on the basis of a meme rally. *** Both RainyFriedTofu and Moocao123 has positions in Clover Health. The information provided is not meant as financial advice, please be advised of the potential bias and decide whether the information provided is within your risk consideration. ** *** This is not financial advice, nor is there any financial advice within. Shout-out to the AMC/GME apes for having me to write this *** *** Please do not utilize this content without author authorization *** Clover Health - stock price reflected for 05/14/24 https://preview.redd.it/kzfc3tos4i0d1.png?width=1709&format=png&auto=webp&s=9c638191da51282eae80784e72312fea1e72e621 I have previously already released this chart within my Clover health DD, I have included now an updated price per share, and highlighted the important section in RED. As you can see we are finally at exactly market cap 1.13 to cash on hand ratio, or in another way of saying it - we are priced slightly better than bankruptcy, similar to Dec 31 2023. If you instead listened to someone else/another subreddit, you would have thought we had a meme rally. We most assuredly did not. Let me show you what the meme rally did to AMC and GME. I have constructed the following Excel, but since they are not my target DD I skipped over some parts: AMC: https://preview.redd.it/yepocbae5i0d1.png?width=1528&format=png&auto=webp&s=b93611a7ce9866bd7686f9bdfbfaa10c707ff05d I have taken the liberty to highlight the relevant parts in red, however if you look at the financials, AMC has an overall worse economics in FY 2024. The market didn't care though on 05/14/24, and pushed AMC from bankruptcy pricing of Market Cap to Cash on hand ratio of 1.16 to 2.89 within a single day. It also never had a positive shareholder equity, in fact in the 10K they are all called "Shareholder deficits". Never mind AMC has a big bomb strapped to its chest: https://preview.redd.it/ijegq9up5i0d1.png?width=1140&format=png&auto=webp&s=d83791f9470105645bd7bfaca1116537857ab395 Yes you are reading this correctly. 2.9 BILLION dollars is due on 2026. In addition, 118.3 million dollars is due in 2025 and 25.1 million in 2024. Guess what? Aaron Adam sold $250 million dollars worth of equity this past Monday! Are you an AMC ape holding a bag? https://www.cnbc.com/2024/05/14/amc-raises-250-million-in-stock-sale-during-mondays-meme-rally.html. Hooray! AMC can extinguish that 2024 and 2025 debt immediately. Now Aaron will have to roll out AMC Preferred Equity #2 for 2026... How many shares do you think he needs to sell? GME: Did you know if you held GME when it was in the lowest of lows and rode Roaring Kitty/Keith Gill's GME wave, you would make better returns than the S&P 500 index? It's amazing really. Personally I haven't set foot in a Gamestop store in decades, and last I remember I stood in a Gamestop store it had smelly carpets and teenagers who didn't want to be working there. "He likes the stock" he says, but probably not the company itself. But hey, the stock is doing great! https://preview.redd.it/m45dqw7r6i0d1.png?width=944&format=png&auto=webp&s=8ca574fe4207c75eb24adf0d73574e45890608d4 Did you see 2021? Holy shit. Anyways, shall we look at their finances? https://preview.redd.it/5jy7hmva7i0d1.png?width=1199&format=png&auto=webp&s=52d445819bb3d736047004a468a2f677e6895ebf I heard they pulled a profit in 2023, but you wouldn't see it by looking at their store operations. In fact GME got into profitability by cutting SG&A and will continuously cut to make their earnings look good. Did you see their revenue per store? It dropped. Did you see its profit margin per store YoY? it is negative or zero, choose which is less worse. Meaning any store they have remaining would be negligible in moving the profit per store needle. They already cut the under performing stores, and they are now cutting into useful ones. On 05/14/24 though, GME pulled a rabbit out of its hat. It's Market cap to cash on hand ratio jumped from a static ~ 3.25 - 3.50 to a whopping 12.40. Congratulations Keith Gill. As a conclusion, both Rainy and I have used different methods to come to the same conclusion: Clover health is still being shorted to bankruptcy ratio, but the boot is less tight at the neck, now at 1.16. That being said, Clover still has ways to go before they can state they are no longer BK pegged. Again, Clover has plenty of room to grow and re-invigorate itself (Clover Home Care, Clover Assistant, and Clover Medicare Advantage), has adequate cash on hand, is cash flow positive, and is $100 million away from profitability (CA SaaS anyone?). This is why Rainy and I choose to invest into Clover. This is why the shorts are afraid of DD - it blows up their nonsense and makes their actions seem foolish. I am sure the shorts will keep mentioning that Clover is riding a meme wave, and once Clover gets under $1 the FUDs doom train will start. It is predictable and comical. AMC definitely is heading towards BK by 2026 (almost guaranteed), unless someone does another Antara capital and exchanges the lien note as a rollover in exchange for AMC Preferred Equity units 2.0 (since retail likes holding bags). Despite this, Market has pegged AMC temporarily to a ratio of 3. AMC cannot reinvent itself, it is still losing money per screen, but someone still is trying to meme it to viability. GME is not heading to BK, but it is definitely very very richly valued at ratio of 12.40 on 05/14/24. I do not consider GME a good investment, as it still needs to re-brand itself and re-invigorate itself (say, what happened to the NFT marketplace?). GME is memed up in value, but we do not foresee immediate bankruptcy concerns. I would also like to reiterate again what our subreddit stands for: We do not provide financial advice, nor do we intend to do so. Do not invest into Clover Health based on meme stock valuation, and we will be the first to tell you to stay away from Clover Health stock if you do not understand the financials of this company, its goals, and the obstacles facing this small cap company. Thank you for taking the time to read through this. I hope this provides you with a better perspective on what happened today. Sincerely Moocao |
2024.05.14 01:16 ChaoticNeutral_87 3M CAE update from Pulasky Law Firm
Long email from my law firm:
We appreciate your continued patience during this settlement process. As part of the settlement process, you have been given a first in first out (FIFO) number by BrownGreer. This number is based on when you signed and returned your settlement documents as well as whether you have pending liens, bankruptcies or probate. You can login to your BrownGreer Portal to see your FIFO number, find out when the firm was funded with your settlement money (if funded already), and your potential earliest date of funding from 3M to BrownGreer. PLEASE NOTE: Once your funds have been sent from BrownGreer to the firm (all funds go into the 3M Qualified Settlement Fund), it will take 30 – 60 days to receive your settlement money. Once your money is ready to send to you, you will receive a settlement statement from Milestone via email. Once you sign your settlement statement and select your payment option, your funds will be issued within 2 weeks.
Currently, EPP claimants who have a FIFO rank less than 19,000 have begun receiving payments. If your FIFO rank is between 19,000 and 48,665 you will be paid within the next several months. If your FIFO number is greater than 48,665 or you haven’t received your FIFO number yet, we expect that your payment will be available within the next 6 – 18 months. Please note that any medical liens, probate and/or bankruptcy issues will cause additional delays. As a reminder, DPP claimant reviews will not being until mid-2025 at the earliest. If you want more specific information on your FIFO number, whether the firm has been funded in your case, or your anticipated date that 3M will fund BrownGreer, please login to your BrownGreer portal.
Lastly, if you believe you qualify for the Extraordinary Injury Fund (EIF) and have medical records to provide that you have not already provided to us, please upload them as soon as possible to your case locker portal. The deadline to submit those records is June 15. The EIF money is separate than your initial settlement and is intended for those who meet specific injury criteria. You were previously sent an email on 2/20 regarding the criteria along with a video. Please reference that email if you have not yet reviewed. Importantly, you are NOT qualified for tinnitus EIF solely due to a tinnitus diagnosis or complaints of tinnitus. Tinnitus testing or repeated medical appointments/treatment specific to your tinnitus is required for this category. Please ensure you notify us via case locker if you believe you qualify for any of the EIF categories
submitted by ChaoticNeutral_87 to VeteransBenefits [link] [comments]
We appreciate your continued patience during this settlement process. As part of the settlement process, you have been given a first in first out (FIFO) number by BrownGreer. This number is based on when you signed and returned your settlement documents as well as whether you have pending liens, bankruptcies or probate. You can login to your BrownGreer Portal to see your FIFO number, find out when the firm was funded with your settlement money (if funded already), and your potential earliest date of funding from 3M to BrownGreer. PLEASE NOTE: Once your funds have been sent from BrownGreer to the firm (all funds go into the 3M Qualified Settlement Fund), it will take 30 – 60 days to receive your settlement money. Once your money is ready to send to you, you will receive a settlement statement from Milestone via email. Once you sign your settlement statement and select your payment option, your funds will be issued within 2 weeks.
Currently, EPP claimants who have a FIFO rank less than 19,000 have begun receiving payments. If your FIFO rank is between 19,000 and 48,665 you will be paid within the next several months. If your FIFO number is greater than 48,665 or you haven’t received your FIFO number yet, we expect that your payment will be available within the next 6 – 18 months. Please note that any medical liens, probate and/or bankruptcy issues will cause additional delays. As a reminder, DPP claimant reviews will not being until mid-2025 at the earliest. If you want more specific information on your FIFO number, whether the firm has been funded in your case, or your anticipated date that 3M will fund BrownGreer, please login to your BrownGreer portal.
Lastly, if you believe you qualify for the Extraordinary Injury Fund (EIF) and have medical records to provide that you have not already provided to us, please upload them as soon as possible to your case locker portal. The deadline to submit those records is June 15. The EIF money is separate than your initial settlement and is intended for those who meet specific injury criteria. You were previously sent an email on 2/20 regarding the criteria along with a video. Please reference that email if you have not yet reviewed. Importantly, you are NOT qualified for tinnitus EIF solely due to a tinnitus diagnosis or complaints of tinnitus. Tinnitus testing or repeated medical appointments/treatment specific to your tinnitus is required for this category. Please ensure you notify us via case locker if you believe you qualify for any of the EIF categories
2024.05.12 03:57 Bien_Mulberry_243 BackgroundCheck.Run: How to Opt Out of BackgroundCheck.Run Step-by-Step Instructions
 | BackgroundCheck.Run: How to Opt Out of BackgroundCheck.Run Step-by-Step InstructionsBackgroundCheck.Run: How to Opt Out of BackgroundCheck.Run Step-by-Step InstructionsIn this post, we’ll cover what BackgroundCheck.Run is and Step-by-Step instructions on How to Opt Out of BackgroundCheck.Run.What is BackgroundCheck.Run?What is BackgroundCheck.Run? BackgroundCheck.Run is a people search site that provides exactly what its name says – background checks. A background report will contain personal information like aliases, family member information, date of birth, residential and email addresses, social media profiles, property records, cell and home phone numbers, employment information and history, bankruptcies, liens, civil judgements, as well as conviction and criminal records. Anything available in public records can be revealed on the BackgroundCheck.Run website. How do I Opt Out and Remove Myself from BackgroundCheck.Run?How do I Opt Out and Remove Myself from BackgroundCheck.Run?Currently, there are three ways to remove your personal information from data broker sites like BackgroundCheck.Run:Sign up for Optery's automated opt out and data deletion service. Our service will monitor and remove your profile from dozens of data brokers on an ongoing basis. Click here to sign up and get started with a free account and to learn about our automated service plans. Remove your personal information from BackgroundCheck.Run by following the steps outlined below. Optery provides guides with step-by-step opt out instructions for many other data brokers here. If you are a resident of California, you can opt out of data broker sites that follow the California Consumer Privacy Act (CCPA) law. Click here to review Instructions for submitting a CCPA Data Deletion Request. How do I Opt Out of BackgroundCheck.Run Manually? 1) Start your opt out by navigating to the BackgroundCheck.Run homepage here: https://backgroundcheck.run In order to opt out and remove your personal information, you will need to search for your profile URL. Start your search by entering your first and last name and the city and state where you live into the FIND INFORMATION ON ANYONE\ box and click Search*. Sometimes, a list of names will be auto-generated as you type your name, select your name from the list. Once you select your name from the list, your search will automatically start. https://preview.redd.it/by417pfidwzc1.png?width=860&format=png&auto=webp&s=ed64599baf3b4691cd14caa33427fe55e566eb8f 2) Find your personal listing on the search results page and click on your name. Multiple pages may be provided. NOTE: If you need to narrow down the search results, you can hit the back button and enter the city and state where you live into the FIND INFORMATION ON ANYONE\ box on the homepage and click Search. Alternately, you can enter the city and state where you live in the Search For area and click the Search button. The Search For* area is located on the left of the image provided below under your name on the search results page. https://preview.redd.it/riyg6k2pewzc1.png?width=860&format=png&auto=webp&s=558162ac594376f8cfa6b1ee598a44fde7156f79 3) A new window will open containing detailed personal information about you. Find the Control this profile link on the right and click it. https://preview.redd.it/0g24u39sewzc1.png?width=860&format=png&auto=webp&s=99e06374414c354e10f5a633d72fecb5b46ab85c 4) The BackgroundCheck.Run opt out form will appear. Your profile URL will be auto-generated from Step 3 into the Profile URL field. Enter your full name and email address. Complete the security CAPTCHA if one is displayed. Click SUBMIT OPT OUT REQUEST. https://preview.redd.it/upbtflvlgwzc1.png?width=860&format=png&auto=webp&s=0a32ac459b2e0fba555dede91993c1991c8acaa7 5) A message confirming your removal request will appear. You will receive an email from BackgroundCheck.Run. https://preview.redd.it/up1bpe9qgwzc1.png?width=860&format=png&auto=webp&s=d7f03528fb8225f44eb79ca4ae3b9765d3ec1a7e 6) Check your inbox for an email from BackgroundCheck.Run and open it. Click the verification link provided in the email. https://preview.redd.it/gvuwfajciwzc1.png?width=860&format=png&auto=webp&s=26c4f7c5ed522e589903b2b1b7a6cc9383cc6674 7) Confirmation of your opt out will appear. Your personal information will be removed from the BackgroundCheck.Run website. https://preview.redd.it/pdn0yyhiiwzc1.png?width=860&format=png&auto=webp&s=540a65e3d1256a7f0c018d41373021cc58f6fab2 You have taken a simple, but important step towards reclaiming your privacy. However, there are hundreds of People Search Sites out there displaying peoples’ personal information. They are constantly changing and being updated. It’s nearly impossible to stay on top of these data brokers which is why we offer our premium service that monitors and removes your profile from dozens of data brokers continuously. We do all the work. You get your time back and more peace of mind. Bonus tip: if you’re a business owner worried about the security of your employees, we also have Optery for Business. |
2024.05.12 00:18 Remote-Cartoonist460 Credit Reports and Credit Scores
 | In today's financial landscape, credit reports and credit scores play a pivotal role in shaping individuals' access to various financial products and opportunities. Understanding these components is crucial for anyone aiming to build and maintain healthy financial habits. In this article, we'll delve into the intricacies of credit reports, explore how credit scores are calculated, and discuss their significant impact on financial decisions. submitted by Remote-Cartoonist460 to FinanceManual [link] [comments] Credit @ owntic A credit report is a comprehensive record of an individual's credit history, including information about their borrowing and repayment activities. It typically contains details such as: Personal Information: Name, address, Social Security number, and employment history. Credit Accounts: Information about current and past credit accounts, including credit cards, loans, and mortgages. Payment History: Records of payment history, including on-time payments, late payments, and accounts in default. Credit Inquiries: Details of inquiries made by lenders when assessing creditworthiness for new credit applications. Public Records: Any bankruptcies, foreclosures, tax liens, or civil judgments that may impact creditworthiness. Managing Personal Credit Reports: Regularly reviewing your credit report is essential for identifying inaccuracies or fraudulent activities that could adversely affect your creditworthiness. Consumers are entitled to one free credit report annually from each of the major credit bureaus—Equifax, Experian, and TransUnion—via AnnualCreditReport.com. Monitoring your credit report allows you to detect errors promptly and take corrective actions, such as disputing inaccurate information with the credit bureaus. How Credit Scores Are Calculated: A credit score is a numerical representation of an individual's creditworthiness, based on information from their credit report. While there are various credit scoring models, the FICO® Score and VantageScore® are the most commonly used. Factors influencing credit scores typically include: Payment History: The timeliness of payments on credit accounts, with a focus on missed or late payments. Credit Utilization: The ratio of credit card balances to credit limits, reflecting how much of the available credit is being used. Length of Credit History: The length of time credit accounts have been established, including the age of the oldest and newest accounts. Credit Mix: The diversity of credit accounts, including credit cards, installment loans, and mortgages. New Credit: The frequency and timing of new credit applications and accounts opened. Impact on Financial Decisions: Credit scores play a significant role in determining individuals' access to credit, interest rates, insurance premiums, and even employment opportunities. A higher credit score generally translates to lower borrowing costs and more favorable terms, while a lower credit score may result in higher interest rates and limited access to credit products. Consequently, maintaining a positive credit history and a good credit score is essential for achieving financial goals and accessing credit on favorable terms. |
2024.05.11 16:51 CharacterFirm3462 Family Law firm out of control
I spent the entire pandemic in a custody battle over my son. My EX maneuvered in a way that forced my hand to hire a family law attorney. The courts were closed and the custody battle was a shitshow. In the end I won but it was hard fought.
During all that I fell behind on my payments to my attorney and they placed a lien on my house for $14K. About a year ago I wanted to refi my house the $14K lien had now ballooned to almost $45K. This made refinancing impossible and ultimately I made the decision to file for bankruptcy. During the bankruptcy process the Trustee also found the family attorney lien to be high and moved to have it ruled as an invalid claim in my bankruptcy. The family attorney filed a separate adversarial case against me and the Trustee but in the end the judge agreed that $45K lien was invalid and threw it out.
Here’s my question: having such a big lien on my house is what forced my hand to file for bankruptcy. Because a judge ruled the lien invalid….do I have a case for legal malpractice? I lost my house because of all this. Also, on the initial paperwork the family law attorney had me sign was a personal financial statement that clearly showed I couldn’t afford $70K+ in legal fees BUT they saw I had equity in my house and feel like this was their plan all along. In the end the family law didn’t get a cent from my bankruptcy.
Thanks in advance.
submitted by CharacterFirm3462 to legaladvice [link] [comments]
During all that I fell behind on my payments to my attorney and they placed a lien on my house for $14K. About a year ago I wanted to refi my house the $14K lien had now ballooned to almost $45K. This made refinancing impossible and ultimately I made the decision to file for bankruptcy. During the bankruptcy process the Trustee also found the family attorney lien to be high and moved to have it ruled as an invalid claim in my bankruptcy. The family attorney filed a separate adversarial case against me and the Trustee but in the end the judge agreed that $45K lien was invalid and threw it out.
Here’s my question: having such a big lien on my house is what forced my hand to file for bankruptcy. Because a judge ruled the lien invalid….do I have a case for legal malpractice? I lost my house because of all this. Also, on the initial paperwork the family law attorney had me sign was a personal financial statement that clearly showed I couldn’t afford $70K+ in legal fees BUT they saw I had equity in my house and feel like this was their plan all along. In the end the family law didn’t get a cent from my bankruptcy.
Thanks in advance.
2024.05.11 03:38 thevodkapapi Mother suing me over car payments
Here is my situation in as much detail as possible:
(Nevada)
In October of 2022 my mom bought me a brand new 2023 car valued at approximately $30k, as a gift, in cash, in full. The bill of sale, registration, insurance, is all completely in my name and she is not listed anywhere nor is she a lien-holder on the title. Fast forward a couple months and she wrote up a contract stating that I would pay her $250/month as a car payment to her until the car was paid off which I agreed to and we both signed off on it (no notary was there). In the contract there is no end date, it states that I only had a 3 day grace period but still needed to communicate to her whenever I would be late with a payment (which I tried reasoning with her to give me a 10 day grace period but that didn’t work), and that if I stopped payments, she could take my car as collateral or pay the rest of what is owed on it within 3 days. I was good on payments and communication up until October of 2023 because we had a conversation and she had stated that I did not need to pay her monthly anymore because she “wants to make my life easy” and “doesn’t want my life to be harder than it needs to be.” We both agreed to that. Something happens within a couple months and she takes back her offer and demands I start paying her again by the contract, which I never agreed to. I did stop paying her the payments and now is where it gets tricky. Now recently she has an attorney involved that sent me a Demand for Payment notice basically stating I had to start up my payments again or further legal action would take place. In my mother’s original contract, my payment days were the 15th of every month, this month she wanted it on the 6th. I emailed the attorney stating that I didn’t have the funds and am financially unstable due to relocating and that I would not be able to achieve it on the 6th. Get an email back from the attorney just telling me to contact my mother directly (we are currently and have been no contact for a couple months). Then my mother emails back, lying, saying that there was never an agreement made to cease the payments and that now I have an extension and need to pay the $250 on the 14th. For a little background, I make $17/hour at my job and my mom is very well off and is retired and I’m just barely getting by with my bills and necessities and she knows this. I’m just a little lost on what I could or need to do and honestly what could happen if I don’t pay on the 14th. I don’t and won’t have the $250 on the 14th so I’m just hoping to get some answers as to the best solution for me (which would preferably be that I keep my car and not have to pay her lol). I’ve been thinking about filing chapter 13 bankruptcy to help in my case but I need more answers and pros and cons of doing that if it ends up to that point.
submitted by thevodkapapi to Bankruptcy [link] [comments]
(Nevada)
In October of 2022 my mom bought me a brand new 2023 car valued at approximately $30k, as a gift, in cash, in full. The bill of sale, registration, insurance, is all completely in my name and she is not listed anywhere nor is she a lien-holder on the title. Fast forward a couple months and she wrote up a contract stating that I would pay her $250/month as a car payment to her until the car was paid off which I agreed to and we both signed off on it (no notary was there). In the contract there is no end date, it states that I only had a 3 day grace period but still needed to communicate to her whenever I would be late with a payment (which I tried reasoning with her to give me a 10 day grace period but that didn’t work), and that if I stopped payments, she could take my car as collateral or pay the rest of what is owed on it within 3 days. I was good on payments and communication up until October of 2023 because we had a conversation and she had stated that I did not need to pay her monthly anymore because she “wants to make my life easy” and “doesn’t want my life to be harder than it needs to be.” We both agreed to that. Something happens within a couple months and she takes back her offer and demands I start paying her again by the contract, which I never agreed to. I did stop paying her the payments and now is where it gets tricky. Now recently she has an attorney involved that sent me a Demand for Payment notice basically stating I had to start up my payments again or further legal action would take place. In my mother’s original contract, my payment days were the 15th of every month, this month she wanted it on the 6th. I emailed the attorney stating that I didn’t have the funds and am financially unstable due to relocating and that I would not be able to achieve it on the 6th. Get an email back from the attorney just telling me to contact my mother directly (we are currently and have been no contact for a couple months). Then my mother emails back, lying, saying that there was never an agreement made to cease the payments and that now I have an extension and need to pay the $250 on the 14th. For a little background, I make $17/hour at my job and my mom is very well off and is retired and I’m just barely getting by with my bills and necessities and she knows this. I’m just a little lost on what I could or need to do and honestly what could happen if I don’t pay on the 14th. I don’t and won’t have the $250 on the 14th so I’m just hoping to get some answers as to the best solution for me (which would preferably be that I keep my car and not have to pay her lol). I’ve been thinking about filing chapter 13 bankruptcy to help in my case but I need more answers and pros and cons of doing that if it ends up to that point.
2024.05.11 02:26 stormhaven22 Finally!
I filed Chapter 7 through Upsolve on Jan 24th, 341 meeting 2/26, final objection date 4/26, and today I see on my Pacer account that it has been updated to Discharged.
I feel so much relief. Over 100k in debt (mostly medical and a nightmare hyundai elantra) is no longer my concern, and it's a massive load off my back.
I start a new job on the 28th that's more stable than my current one with a better pay rate, I have a replacement car that is under full warranty (RIP my old beater that gave me her all for far longer than she should have but was costing me nearly 200/mo in maintenance fees alone and suffering a severe case of car cancer). Now to just save up and get myself moved from my postage stamp sized apartment in a town with nothing to something better closer to my job (already have a lead on a place that accepts folks post bankruptcy so long as you have the discharge notice in hand. I know that will arrive at some point in the near future).
I have a Chime Credit Builder card right now, and I'm probably just going to stick with that for now instead of attempting to open a credit line. When I am able to move, U-Haul accepts cash payment, so that's not a concern.
I was originally concerned by the fact that everyone was saying to not use upsolve, and to get an attorney, but I could never pull together the $2000.00. So my hand was forced when I received two judgements against me and couldn't afford to have my wages garnished. But now that it's going through, I'm glad I didn't have to cough up that money as well. BUT! My case was fairly simple and straight forward. No property to my name (we rent), the car still in my name was only worth about 1k. The Elantra was already long gone and resold by the lien holder. Almost everything I own is second, third, or even fourth hand ownership. We were waaaaay below median income in my state for a 2 person household.
Sorry for the long winded ramble, but so much stress is gone that I can barely contain my joy right now.
submitted by stormhaven22 to Bankruptcy [link] [comments]
I feel so much relief. Over 100k in debt (mostly medical and a nightmare hyundai elantra) is no longer my concern, and it's a massive load off my back.
I start a new job on the 28th that's more stable than my current one with a better pay rate, I have a replacement car that is under full warranty (RIP my old beater that gave me her all for far longer than she should have but was costing me nearly 200/mo in maintenance fees alone and suffering a severe case of car cancer). Now to just save up and get myself moved from my postage stamp sized apartment in a town with nothing to something better closer to my job (already have a lead on a place that accepts folks post bankruptcy so long as you have the discharge notice in hand. I know that will arrive at some point in the near future).
I have a Chime Credit Builder card right now, and I'm probably just going to stick with that for now instead of attempting to open a credit line. When I am able to move, U-Haul accepts cash payment, so that's not a concern.
I was originally concerned by the fact that everyone was saying to not use upsolve, and to get an attorney, but I could never pull together the $2000.00. So my hand was forced when I received two judgements against me and couldn't afford to have my wages garnished. But now that it's going through, I'm glad I didn't have to cough up that money as well. BUT! My case was fairly simple and straight forward. No property to my name (we rent), the car still in my name was only worth about 1k. The Elantra was already long gone and resold by the lien holder. Almost everything I own is second, third, or even fourth hand ownership. We were waaaaay below median income in my state for a 2 person household.
Sorry for the long winded ramble, but so much stress is gone that I can barely contain my joy right now.
2024.05.10 21:42 brighteyesburn Will Navient come after me?
Chase student loan signed in 2008 for $15,600. I paid on it for 7 years before filing bankruptcy. The principal was covered in that time. Interest rate was originally 3-4%. It has now ballooned to $30k, current interest rate is 13% and they’re raising it again due to the “market conditions.” Current payment is $315, going up to $370. No clue what the new interest rate will be.
1 asset, my home purchased in my name only. I don’t have a job. Can’t they garnish my husband’s wages? If a lien is out on my house, when does that need paid off? I’m so frustrated.
submitted by brighteyesburn to studentloandefaulters [link] [comments]
1 asset, my home purchased in my name only. I don’t have a job. Can’t they garnish my husband’s wages? If a lien is out on my house, when does that need paid off? I’m so frustrated.
2024.05.10 18:28 FancyIndependence760 lien release nightmare in VA
Hoping someone has a suggestion to get us out of this seemingly endless loop....2 years prior to our meeting, my husband filed chpt 13 bankruptcy. It was discharged early last year. We decided to sell our house since the market is hot where we live and move to a lower COL area. As we prepped to sell, the title company (6 days before closing) found a judgment against him that they say is a lien on the property. This was for a credit card debt that was with Barclays and then sold to a collection agency. This debt was part of his bankruptcy and the collection agency received the full amount of the debt (which was less than $2000). However, apparently the lien did not get released when the bankruptcy was discharged. And here starts the mess.
Settlement company said it is up to the lawyer who handled the bankruptcy to set this right, to contact the collection agency and get a lien release signed. We contacted the lawyer who has his paralegal working with us on this---she contacted them, they sent over a copy of the release for yet a different lien for a different debt. She has been trying to get them to sign a release for the correct one. We had our backs against the wall because our sale was a contingency on buying our new house and closings were back to back. Went to closing and the settlement company kept a large amount of the profits from the sale in escrow. We have 120 days to get the lien release or we stand to lose a lot, a lot of money.
Paralegal said she contacted them and that we should keep pushing. We have called a few times Once, they said we see you have a lawyer involved, we won't talk to you. Another call, they said we see the law firm filed for the release, it should be done in a week, call back if you don't hear from us. So we did----that person punted us to another and another. We finally got a call back and the person said, well, we have no record of this lien or judgment, I need to do some research and will call you back. That was 3 days ago, no call back. The paralegal isn't responding either.
One friend who is a lawyer (not this field) looked at the judgment and said, well this is a judgment against him, it doesn't mention property. I told the settlement company this and they insist that there is a lien, the deed isn't free and clear. Now I have the collection agency saying THEY have no record of it either. I saw the paperwork that was filed when he filed for bankruptcy and this particular debt was listed as "non secured"----now, I dont' know if that paperwork was filled out by his lawyer or the debtor. And, again, I was not even in the picture when this all happened, so a lot of times they don't even want to deal with me. My husband has anxiety and PTSD issues and just shuts down when I push him to make these calls.
Curious what options we have that we can do on our own to get this cleared if our lawyer won't help and the collection agency won't respond to requests and calls. We are located in Virginia.
thank you.....
submitted by FancyIndependence760 to legaladvice [link] [comments]
Settlement company said it is up to the lawyer who handled the bankruptcy to set this right, to contact the collection agency and get a lien release signed. We contacted the lawyer who has his paralegal working with us on this---she contacted them, they sent over a copy of the release for yet a different lien for a different debt. She has been trying to get them to sign a release for the correct one. We had our backs against the wall because our sale was a contingency on buying our new house and closings were back to back. Went to closing and the settlement company kept a large amount of the profits from the sale in escrow. We have 120 days to get the lien release or we stand to lose a lot, a lot of money.
Paralegal said she contacted them and that we should keep pushing. We have called a few times Once, they said we see you have a lawyer involved, we won't talk to you. Another call, they said we see the law firm filed for the release, it should be done in a week, call back if you don't hear from us. So we did----that person punted us to another and another. We finally got a call back and the person said, well, we have no record of this lien or judgment, I need to do some research and will call you back. That was 3 days ago, no call back. The paralegal isn't responding either.
One friend who is a lawyer (not this field) looked at the judgment and said, well this is a judgment against him, it doesn't mention property. I told the settlement company this and they insist that there is a lien, the deed isn't free and clear. Now I have the collection agency saying THEY have no record of it either. I saw the paperwork that was filed when he filed for bankruptcy and this particular debt was listed as "non secured"----now, I dont' know if that paperwork was filled out by his lawyer or the debtor. And, again, I was not even in the picture when this all happened, so a lot of times they don't even want to deal with me. My husband has anxiety and PTSD issues and just shuts down when I push him to make these calls.
Curious what options we have that we can do on our own to get this cleared if our lawyer won't help and the collection agency won't respond to requests and calls. We are located in Virginia.
thank you.....
2024.05.09 06:16 Laneybug0819 What happens to liens?
State of Arizona. Went through bankruptcy and it was discharged, there are 2 liens on my house. The house was surrendered with bankruptcy, but still goes through the foreclosure process. What happens with the liens? Will they go with the house? They were there when bankruptcy was filed, and we surrendered the house and all property in the bankruptcy.
submitted by Laneybug0819 to Bankruptcy [link] [comments]
2024.05.08 07:17 7w0rds Paying off credit card debt
I (25F) have around $8K in credit card debt. My total debt is around $15k due to a loan I took out to consolidate my debt. I have a horrible spending habit so taking out the loan and putting a lien on my car to get this loan only increased/worsened my debt. I recently moved in with a family member where I am not being charged rent. I am so grateful and I’m ready to clear my debt. I have a credit card with a balance of $5k that will start accumulating interest this month at 30%. I have two other credit cards with 27% interest each with a balance of $1k on each card. I have two other credit cards that I rarely use with a balance of $300 each, 30% interest each. What credit card should I pay off first? I plan on making the minimum payment on each card but adding $600 monthly into one credit card. Should I tackle the $5k credit card? I used a credit interest calculator and making a $600 payment would allow me to pay off this card in around 10 months. I am a full time employee and single parent so a second job isn’t an option due to child care+the need/my desire to be present for my child on my days off. Bankruptcy is not an option since I filed for chapter 7 when I was 21. I also withdrew my 401k from my mentally draining job late last year so $7k was thrown away, adding to my horrible spending habit/addiction. Any additional tips for my situation would be appreciated.
submitted by 7w0rds to Debt [link] [comments]
2024.05.08 07:05 ID10T_Java_Guy Need assistance with how to get rid my car without getting sued
Throw away for reasons
Im in Canada if that narrows down my legal options at all idk I thought it was relevant.
I already seen it on here and I know the flak that comes with saying this but I need to forfeit my car that I got at one of those any credit accepted dealerships.
Before any comments flood in about how stupid this was just understand these decisions were made out of desperation and yes I regret them. Moving on.
I ran Into some trouble with my beater car and it quite legitimately blew up this past winter and needed a vehicle to get to work and get my son and wife from A to B. I did some research and found this place that would accept me and get a car to me fast all I had to do was sign. No upfront. No credit check. Nothing.
After only having the car for 3 months my wife has run into medical issues and is entirely at home and collecting unemployment. after it ends I will no longer be able to keep up with the payments and they will come take the car either way.
I've looked into voluntary reposition (I'm currently in a consumer proposal) and the trustee I'm with told me to reach out to the creditor and see what options they have
So i called the creditor (Scotia auto advantage) and asked if they can wave the lien so I can sell it and give them the money and pay the difference to which they want 12k upfront and that's just not possible. They said because I'm only 3 months into it they have no options for me until I hit six months with them. They told me that by attempting to stop payments they will take legal action in the form of a lawsuit.
I can't and won't make those payments as I have a family to feed and house and that remains my only priority
I need to know how to dodge that lawsuit entirely I don't care for my credit due to mistakes I made when I was younger and am fully willing to go into bankruptcy to avoid a lawsuit if that will give me any kind of protection from it, I've made a mistake and I'm trying to get though it please any advice on this matter is taken with appreciation.
I know that the province I reside in has a law that states if they take the car they can't sue me (something more complex but along those lines) but it depends on a part of the contract I signed with the dealer if that helps any
TLDR
Made poor financial choices and need to know if filing bankruptcy will protect me from a lawsuit or if I'm screwed anyway.
submitted by ID10T_Java_Guy to legaladvice [link] [comments]
Im in Canada if that narrows down my legal options at all idk I thought it was relevant.
I already seen it on here and I know the flak that comes with saying this but I need to forfeit my car that I got at one of those any credit accepted dealerships.
Before any comments flood in about how stupid this was just understand these decisions were made out of desperation and yes I regret them. Moving on.
I ran Into some trouble with my beater car and it quite legitimately blew up this past winter and needed a vehicle to get to work and get my son and wife from A to B. I did some research and found this place that would accept me and get a car to me fast all I had to do was sign. No upfront. No credit check. Nothing.
After only having the car for 3 months my wife has run into medical issues and is entirely at home and collecting unemployment. after it ends I will no longer be able to keep up with the payments and they will come take the car either way.
I've looked into voluntary reposition (I'm currently in a consumer proposal) and the trustee I'm with told me to reach out to the creditor and see what options they have
So i called the creditor (Scotia auto advantage) and asked if they can wave the lien so I can sell it and give them the money and pay the difference to which they want 12k upfront and that's just not possible. They said because I'm only 3 months into it they have no options for me until I hit six months with them. They told me that by attempting to stop payments they will take legal action in the form of a lawsuit.
I can't and won't make those payments as I have a family to feed and house and that remains my only priority
I need to know how to dodge that lawsuit entirely I don't care for my credit due to mistakes I made when I was younger and am fully willing to go into bankruptcy to avoid a lawsuit if that will give me any kind of protection from it, I've made a mistake and I'm trying to get though it please any advice on this matter is taken with appreciation.
I know that the province I reside in has a law that states if they take the car they can't sue me (something more complex but along those lines) but it depends on a part of the contract I signed with the dealer if that helps any
TLDR
Made poor financial choices and need to know if filing bankruptcy will protect me from a lawsuit or if I'm screwed anyway.
2024.05.08 04:48 imajustsayit-1 Real Estate Lawyer Input Needed
Need some advice. I left an abusive relationship. We were not married, there is no separation agreement. We were together for 18 years. I packed and left. I took $155,000 of debt with me that we both contributed to, but it was all in my name. I have since declared bankruptcy, I had asked them for some assistance in paying the debt so I wouldn't have to declare bankruptcy, they wouldn't help. Now, I'm almost done with bankruptcy. Will be discharged in a year. We both own the house. The title says 1/2 them, 1/2 me (it really says 1/2). They cannot sell the house, or renew the mortgage without my signature, which won't happen. There are liens on the property from CRA, in their name, not mine. About 10 years ago, the appraisal was $525,000 for the home. I've had someone tell me to get an appraisal done now, and either force them to sell, or pay me out. Do I get a real estate lawyer and/or a bankruptcy lawyer? The bankruptcy trustee also put a lien on the property. If the home sells, will the trustee want the $155,000 or the balance I have left to pay, about $2500 before I am discharged?
I know I need a lawyer, just looking for some insight as to what do I do? I do not have money for a lawyer, thinking that would come out of a settlement from the sell of the house. 😊
submitted by imajustsayit-1 to alberta [link] [comments]
I know I need a lawyer, just looking for some insight as to what do I do? I do not have money for a lawyer, thinking that would come out of a settlement from the sell of the house. 😊
2024.05.07 11:27 Pixelcyclone WARNING: FRAUD ALERT! IntaCapital Swiss SA HKM( Handels Kredite Montenegro) Frauded with 450.000 EUR!
We bring to light the deceptive practices of IntaCapital Swiss SA and their associated criminal syndicate, as experienced firsthand by our company.
Our company has fallen victim to their schemes, having transferred the sum of 450,000.00 EUR for the financing of our business plan focused on rental car activities. However, instead of facilitating legitimate financial support, IntaCapital Swiss SA, in collaboration with the Montenegro-based entity HKM (Handels Kredite Montenegro) doo, engaged in a series of fraudulent maneuvers.
People involved:
HKM’s REID CARSON
IntaCapital Swiss SA – Paul Robbins, Ashley Langley, Scarlett Groom
BEWARE OF THEIR DECEITFUL TACTICS! Upon receiving full payment, including booking fees, security deposits, and extension fees, IntaCapital Swiss SA promptly demands the Recipient Bank to issue A DECLARATION FOR THE RETURN OF THE BANK GUARANTEE, even in the event of the company's bankruptcy or liens upon of BG (THAT THEY PLEDGE). This demand, which becomes actually a "COUNTER-GUARANTEE," is IMPOSSIBLE in banking practices. Subsequently, the Provider transmits the "Notice of Default (Breach Notice)" to seize all funds paid, citing contractual clauses that were undisclosed prior to payment (“pursuant to Contract”; as they like to say).
It is imperative to note that these fraudulent tactics are not new to IntaCapital, previously implicated in similar activities at GARISSON SECURITIES SA. Now under the guise of IntaCapital Swiss SA, they continue to perpetrate such frauds, orchestrated by key individuals including Paul Robbins, Ashley Langley and Scarlett Groom.
EXERCISE EXTREME CAUTION when dealing with these individuals posing as investment bankers. They STEAL MILLIONS OF EUROS under the pretext of contractual breaches, shifting blame onto clients for their inability to fulfill UNDISCLOSED OBLIGATIONS.
Meetings and contract signings often take place in London, specifically at Banking Hall: Banking Hall, 1 Cornhill, London EC3V 3ND, United Kingdom.
Furthermore, be vigilant against their attempts to manipulate public perception through FAKE GOOGLE REVIEWS, a practice that we have evidence of (multiple screenshots). We have evident of hundreds of 5-star reviews that suddenly disappeared!
PIXELCYCLONE LDA
submitted by Pixelcyclone to Scams [link] [comments]
Our company has fallen victim to their schemes, having transferred the sum of 450,000.00 EUR for the financing of our business plan focused on rental car activities. However, instead of facilitating legitimate financial support, IntaCapital Swiss SA, in collaboration with the Montenegro-based entity HKM (Handels Kredite Montenegro) doo, engaged in a series of fraudulent maneuvers.
People involved:
HKM’s REID CARSON
IntaCapital Swiss SA – Paul Robbins, Ashley Langley, Scarlett Groom
BEWARE OF THEIR DECEITFUL TACTICS! Upon receiving full payment, including booking fees, security deposits, and extension fees, IntaCapital Swiss SA promptly demands the Recipient Bank to issue A DECLARATION FOR THE RETURN OF THE BANK GUARANTEE, even in the event of the company's bankruptcy or liens upon of BG (THAT THEY PLEDGE). This demand, which becomes actually a "COUNTER-GUARANTEE," is IMPOSSIBLE in banking practices. Subsequently, the Provider transmits the "Notice of Default (Breach Notice)" to seize all funds paid, citing contractual clauses that were undisclosed prior to payment (“pursuant to Contract”; as they like to say).
It is imperative to note that these fraudulent tactics are not new to IntaCapital, previously implicated in similar activities at GARISSON SECURITIES SA. Now under the guise of IntaCapital Swiss SA, they continue to perpetrate such frauds, orchestrated by key individuals including Paul Robbins, Ashley Langley and Scarlett Groom.
EXERCISE EXTREME CAUTION when dealing with these individuals posing as investment bankers. They STEAL MILLIONS OF EUROS under the pretext of contractual breaches, shifting blame onto clients for their inability to fulfill UNDISCLOSED OBLIGATIONS.
Meetings and contract signings often take place in London, specifically at Banking Hall: Banking Hall, 1 Cornhill, London EC3V 3ND, United Kingdom.
Furthermore, be vigilant against their attempts to manipulate public perception through FAKE GOOGLE REVIEWS, a practice that we have evidence of (multiple screenshots). We have evident of hundreds of 5-star reviews that suddenly disappeared!
PIXELCYCLONE LDA
2024.05.05 22:46 songoku6415 Looking to get a newer car with a 530 credit score and a pending chapter 7 bankruptcy that’s taking forever to process
I currently drive a 07 Honda accord that was discovered to not only have a faulty AC compressor which being in Texas it’s already hot as hell but a oil leak and power steering fluid is leaking and I don’t want to have an accident or serious injury to myself or others driving this beater in these dangerous Texas highways and roads with these horrible drivers.
I make 55k a year currently or 3900 net monthly income after taxes and my living expenses are about 1600 including rent utilities etc.
I don’t want a brand new car nor an expensive used car paying 400-600 a month which is just insane to me. I don’t have a down payment saved up and I’m going on vacation for two weeks this month.
How much of a used car should I finance or be able to afford with my 3900 income? I have horrible credit a involuntary reposition of my 16 sonata I gave back to my lien holder that I added to my chapter 7 bankruptcy but my attorney is taking his sweet time with updates and idk when I’m going to get through this process discharging 40k of personal debt on top of my 60k of student loans I can’t discharge unfortunately.
I know this is a lot and probably not wise to get another car loan but I don’t want to deal with these issues with my 07 accord and the amount of money I gotta put in for 200k miles on it I don’t see feasible. Idk where to go or how to go about finding dealerships who will let me walk out without a down payment or no 5-10k most places are quoting me which is fucking ridiculous and still having my payment at 450-500 it makes me mad.
submitted by songoku6415 to askcarsales [link] [comments]
I make 55k a year currently or 3900 net monthly income after taxes and my living expenses are about 1600 including rent utilities etc.
I don’t want a brand new car nor an expensive used car paying 400-600 a month which is just insane to me. I don’t have a down payment saved up and I’m going on vacation for two weeks this month.
How much of a used car should I finance or be able to afford with my 3900 income? I have horrible credit a involuntary reposition of my 16 sonata I gave back to my lien holder that I added to my chapter 7 bankruptcy but my attorney is taking his sweet time with updates and idk when I’m going to get through this process discharging 40k of personal debt on top of my 60k of student loans I can’t discharge unfortunately.
I know this is a lot and probably not wise to get another car loan but I don’t want to deal with these issues with my 07 accord and the amount of money I gotta put in for 200k miles on it I don’t see feasible. Idk where to go or how to go about finding dealerships who will let me walk out without a down payment or no 5-10k most places are quoting me which is fucking ridiculous and still having my payment at 450-500 it makes me mad.
2024.05.05 22:40 Cultural-Olive-366 Car damaged and held hostage
Our vehicle was damaged in transport through a transport company chosen by Montway, and is being held hostage in various storage yards in LA area with GPS disabled. Montway worked hand in hand with Pacific Auto Transport Inc in vetting, selecting, vouching and then insisting the carrier, not the consumer, had the right to write damages on the bill of lading at delivery, which itself was never given to us to mark damages. Go online and try to find a review of Pacific Transport Inc of Glendale California. None exists we found. There are a lot with similar names in other locations, but nothing with an exact match. So much for Montway's vetting. Montway's site, upon which we relied, is full of deceptive falsehoods such as its careful vetting of shipping carriers, its own insurance carrier information and having the consumer being presented with a bill of lading to mark damages for delivery. We found the principal(s) of the carrier had six a figure fraud lien in addition to tax liens and bankruptcies. In our online searching, we found the fraud lien comes from a situation where the principal set up a fake dental laboratory and he and associates dressed as dental lab technicians to defraud companies into providing financing for a non- existent dental laboratory. They went to the extreme length of wearing white lab coats, medical type shield eyeglasses and pretended to work on tooth molds and conduct dental procedures. The lien in this case has same name and address as carrier principal. Good luck in collecting for damages. The carrier said when confronted with this information "whether true or not." Montway also interfered with a drop off agreement with the carrier by improperly inserting themselves to obtain releases for Montway and statements to muzzle online reviews by us of Montway. Montway continued its deceptive practices with respect to the consumers online review rights by lifting out of context a section from the very federal law allowing consumer to make online reviews. We say STAY AWAY FROM MONTWAY
submitted by Cultural-Olive-366 to AutoTransport [link] [comments]
2024.05.04 19:12 Fluffy-Seaweed-8875 Car title situation
Burner account!
So I have a weird situation where I do not know what the hell to do with the car that I have after bankruptcy. I'm wondering if someone knows anything I can do to either get rid of it, sell or keep it. Any advice would be great. (Already spoke to a few lawyers and they were quite literally useless and told me they don't know what to do due to the unique nature of the situation.)
Note: This is in Texas.
Here's the situation:
submitted by Fluffy-Seaweed-8875 to TeslaSupport [link] [comments]
So I have a weird situation where I do not know what the hell to do with the car that I have after bankruptcy. I'm wondering if someone knows anything I can do to either get rid of it, sell or keep it. Any advice would be great. (Already spoke to a few lawyers and they were quite literally useless and told me they don't know what to do due to the unique nature of the situation.)
Note: This is in Texas.
Here's the situation:
- I purchased a Tesla some time ago with a loan from Navy Federal Credit Union.
- I lost my job, and was not able to pay for the taxes, which means the title was never sent to Navy Federal Credit Union.
- I filed for Chapter 7 bankruptcy and got all of my debts discharged including the Tesla.
- Months go by, Navy Federal never picks up the car. Out of confusion, I called Navy Federal and they let me know that they never received the title for the car, therefore, they are unable to pick up the car because they were technically never the owner nor the lien holder because a title is required for the lein. The representative let me know that there's nothing they can do and the car is charged off, free and clear and I can do what I please with the car.
- All of my documentation has Navy Federal on the documentation when they are no longer the lien holder and they have clearly told me they cannot accept the car anymore.
- I call Tesla to see if I can get the documents changed. They say maybe, weeks go by, nothing happens. I call back and I'm told that they cannot do anything and that Navy Federal would need to provide a "LIEN RELEASE" , me: okay got it, I'll get that for you!
- I call Navy Federal and request a lien release, 2 weeks go by, crickets... I call again and ask what the hold up is. They let me know it's not possible to send a lien release when they never had a lien on the vehicle to begin with since they never received the title.
- I call Tesla and let them know of the situation. They let me know that there's nothing they can do, they need a letter that states that Navy Federal no longer owns the car. Me: OKAY GOT IT! Ill call them...again...
- I call Navy Federal and ask them for this piece of paper. They said they will send it... another 2 weeks go by, crickets AGAIN... I call to see what's up. They tell me that nothing like this has ever happened and they don't have a letter that they can provide me that says this because they don't have anything like that. Me: What the heck am I supposed to do....
- I call Tesla and let them know the situation again, they told me to just go and register it... ME: okay, ill try..
- Months go by, I save up to be able to just register the car, my apartment complex recently complained that my registration is expired and they are threatening to tow my car in a few weeks if I don't get it taken care of *PANIC MODE INITIATED!!*
- I ended up losing my documents and had new documents sent over 2 times. First time it didn't arrive , the second time I picked it up from the Tesla service center, that was today.
- I rushed over to the Tax office(DMV) to pay the tax on the car and get this thing registered.....welllllll.... the Certificate of Origin still has Navy Federal on it. They let me know there's no way they can register the car unless a new certificate of origin is provided to me by you guys without Navy Federal. Me: AHHHHH
- I call Navy federal again, hoping, pleading, begging, for them to give me a solution... I told them they need to take the damn car or give me a solution to the problem, they said they couldn't take the car and still can't provide me with an official letter or anything like that. They told me I can try messaging them on the app and the response of the representative acta as proof that they are no longer interested parties in the car, no longer own the car, no longer want the car, cannot take the car.
- I got a higher up at Tesla involved and they couldn't help either. This car is stuck in this weird Limbo where the Navy federal won't pick it up because they charged it off, Tesla can't help me with anything, I can't register it. No one can do anything about it which is why I figured I'd sell this thing for parts since I don't want it sitting in my parking lot anymore.
- I got the state of texas involved and they sent me over to someone who deals with special situations and he also didn't know what to do.
2024.05.04 19:11 Fluffy-Seaweed-8875 Car titling question
Burner account!
So I have a weird situation where I do not know what the hell to do with the car that I have after bankruptcy. I'm wondering if someone knows anything I can do to either get rid of it, sell or keep it. Any advice would be great. (Already spoke to a few lawyers and they were quite literally useless and told me they don't know what to do due to the unique nature of the situation.)
Note: This is in Texas.
Here's the situation:
submitted by Fluffy-Seaweed-8875 to askcarsales [link] [comments]
So I have a weird situation where I do not know what the hell to do with the car that I have after bankruptcy. I'm wondering if someone knows anything I can do to either get rid of it, sell or keep it. Any advice would be great. (Already spoke to a few lawyers and they were quite literally useless and told me they don't know what to do due to the unique nature of the situation.)
Note: This is in Texas.
Here's the situation:
- I purchased a Tesla some time ago with a loan from Navy Federal Credit Union.
- I lost my job, and was not able to pay for the taxes, which means the title was never sent to Navy Federal Credit Union.
- I filed for Chapter 7 bankruptcy and got all of my debts discharged including the Tesla.
- Months go by, Navy Federal never picks up the car. Out of confusion, I called Navy Federal and they let me know that they never received the title for the car, therefore, they are unable to pick up the car because they were technically never the owner nor the lien holder because a title is required for the lein. The representative let me know that there's nothing they can do and the car is charged off, free and clear and I can do what I please with the car.
- All of my documentation has Navy Federal on the documentation when they are no longer the lien holder and they have clearly told me they cannot accept the car anymore.
- I call Tesla to see if I can get the documents changed. They say maybe, weeks go by, nothing happens. I call back and I'm told that they cannot do anything and that Navy Federal would need to provide a "LIEN RELEASE" , me: okay got it, I'll get that for you!
- I call Navy Federal and request a lien release, 2 weeks go by, crickets... I call again and ask what the hold up is. They let me know it's not possible to send a lien release when they never had a lien on the vehicle to begin with since they never received the title.
- I call Tesla and let them know of the situation. They let me know that there's nothing they can do, they need a letter that states that Navy Federal no longer owns the car. Me: OKAY GOT IT! Ill call them...again...
- I call Navy Federal and ask them for this piece of paper. They said they will send it... another 2 weeks go by, crickets AGAIN... I call to see what's up. They tell me that nothing like this has ever happened and they don't have a letter that they can provide me that says this because they don't have anything like that. Me: What the heck am I supposed to do....
- I call Tesla and let them know the situation again, they told me to just go and register it... ME: okay, ill try..
- Months go by, I save up to be able to just register the car, my apartment complex recently complained that my registration is expired and they are threatening to tow my car in a few weeks if I don't get it taken care of *PANIC MODE INITIATED!!*
- I ended up losing my documents and had new documents sent over 2 times. First time it didn't arrive , the second time I picked it up from the Tesla service center, that was today.
- I rushed over to the Tax office(DMV) to pay the tax on the car and get this thing registered.....welllllll.... the Certificate of Origin still has Navy Federal on it. They let me know there's no way they can register the car unless a new certificate of origin is provided to me by you guys without Navy Federal. Me: AHHHHH
- I call Navy federal again, hoping, pleading, begging, for them to give me a solution... I told them they need to take the damn car or give me a solution to the problem, they said they couldn't take the car and still can't provide me with an official letter or anything like that. They told me I can try messaging them on the app and the response of the representative acta as proof that they are no longer interested parties in the car, no longer own the car, no longer want the car, cannot take the car.
- I got a higher up at Tesla involved and they couldn't help either. This car is stuck in this weird Limbo where the Navy federal won't pick it up because they charged it off, Tesla can't help me with anything, I can't register it. No one can do anything about it which is why I figured I'd sell this thing for parts since I don't want it sitting in my parking lot anymore.
- I got the state of texas involved and they sent me over to someone who deals with special situations and he also didn't know what to do.
2024.05.04 02:14 Unistic VA disability garnishment experience?
Title! I'm retired as well I know that VA disability and/or SSDI can't be garnished UNLESS it's for child support or state/federal taxes/loans.
My friend (yes I'm serious) he's also retired and he's panicking because he can't afford his new car (I told him to just get a motorcycle he already have a car bit no, he doesn't listen).
Anyways he's losing the car and chances are he'll have to pay the negative equity. Bit he's on VA disability too and I'm telling him if they know he's disable they won't come after him because taking him to court would be a waste you can't garnish VA or Social security income country wide.
Now he's saying he should file for bankruptcy which again is crazy because he does have a house with decent equity yes they can out a lien on the property but it doesn't matter if he never plans on moving out the home. There'd a higher chance that the dealership would go bankrupt in the coming years vs him actually moving from his house.
What's the question you ask? Just correct me if I'm wrong or confirm that I'm right. 🤷 and I'll put this chat on the TV when he comes over tomorrow 😆. I mean google says just this but someone who actually went to court and was on disability who have experience in the matter please chime in.
He can't afford his car since his gf left he should be worried about ultitiles and mortgage he has an older car that functions and is paid off its just not as nice but it runs. My opinion is not to buy things and just take vacations and cruises lol
Thank you all in advance!
submitted by Unistic to VeteransBenefits [link] [comments]
My friend (yes I'm serious) he's also retired and he's panicking because he can't afford his new car (I told him to just get a motorcycle he already have a car bit no, he doesn't listen).
Anyways he's losing the car and chances are he'll have to pay the negative equity. Bit he's on VA disability too and I'm telling him if they know he's disable they won't come after him because taking him to court would be a waste you can't garnish VA or Social security income country wide.
Now he's saying he should file for bankruptcy which again is crazy because he does have a house with decent equity yes they can out a lien on the property but it doesn't matter if he never plans on moving out the home. There'd a higher chance that the dealership would go bankrupt in the coming years vs him actually moving from his house.
What's the question you ask? Just correct me if I'm wrong or confirm that I'm right. 🤷 and I'll put this chat on the TV when he comes over tomorrow 😆. I mean google says just this but someone who actually went to court and was on disability who have experience in the matter please chime in.
He can't afford his car since his gf left he should be worried about ultitiles and mortgage he has an older car that functions and is paid off its just not as nice but it runs. My opinion is not to buy things and just take vacations and cruises lol
Thank you all in advance!
2024.05.02 18:05 Parking_Buy_1525 I experienced psychosis for the first time in my early-to-mid 30s and quit my job due to delusions. Can I get ODSP?
I quit my job during my first psychosis episode in my early-to-mid 30s and have been without an income for nearly a year
I was living alone at the time and not of sound mind and isolated myself from everyone and in the end lost everything
There was a lien on my condo and car and if my parents didn’t help me then I would have had to declare bankruptcy
I was also hospitalized for 6 weeks total and now have to work with the psychiatrist once a month for a year total
I also take three medications one of which is an anti psychotic
In addition - I have to attend the schizophrenia outpatient clinic
I was denied for Ontario Works because I have a condo as an asset, but my psychiatrist said that he’ll help me with the ODSP papers - in addition to connecting me with a social worker
My questions are:
submitted by Parking_Buy_1525 to Odsp [link] [comments]
I was living alone at the time and not of sound mind and isolated myself from everyone and in the end lost everything
There was a lien on my condo and car and if my parents didn’t help me then I would have had to declare bankruptcy
I was also hospitalized for 6 weeks total and now have to work with the psychiatrist once a month for a year total
I also take three medications one of which is an anti psychotic
In addition - I have to attend the schizophrenia outpatient clinic
I was denied for Ontario Works because I have a condo as an asset, but my psychiatrist said that he’ll help me with the ODSP papers - in addition to connecting me with a social worker
My questions are:
- will I be eligible for ODSP?
- is it still possible to work again? my plan is to say that this is a career break and then return to school since my reputation is ruined in my industry after quitting so abruptly
2024.05.01 00:47 Solid-Aardvark3401 Surrendering Mortgaged and Leined Property
Long story of bad decisions, but we are filing personal bankruptcy. I am needing to surrender my underwater, mortgaged home that also has a significant solar lien and small security system lien. My representation is suggesting that we leave the home and solar out of the bankruptcy since it “cannot be discharged.” Problem is, we cannot afford to make a single additional payment on the home and are moving in 19 days. In Oklahoma. Any thoughts?
submitted by Solid-Aardvark3401 to Bankruptcy [link] [comments]