Oklahoma Bankruptcy Legal Questions

You may have both options. A post confirmation of your chapter 13 plan may be possible if you can still make payments in a lesser amount, or conversion to ch. 7 may be possible if you meet the other eligibility requirements for a ch. 7 discharge. You should expect to have to pay attorney fees for the additional work, which may even require filing all new schedules. ... Read More

Close your account. Tribal lenders are not licensed to make loans in Illinois and you are not obligated to repay the loan at all. There are substantial statutory damages for making illegal loans. Given the grossly overreaching nature of the loans in the first instance, I would not suggest that you make any payments or provide any banking information at all.... Read More

The fact that you are married with children is irrelevant for right now. The fact is if you committed a crime (which writing a bad check for $3900 is a crime and felony because of the sum involved). You don't get a free pass because you are married and have children. Marital and parental status would only be relevant at sentencing if you are convicted. How could you write a bad check for $3900? Who does this? There is no accidental series of events here which would justify this in my view. What makes you think a warrant was obtained? If a criminal warrant was issued for your arrest, then you cannot do anything right now. You need to STOP posting about this publicly and go see a criminal attorney in the jurisdiction where the warrant was issued and the criminal charges are pending IMMEDIATELY. I don't know where Columbus Game is. Are you talking about GA or NC? There is a procedure for worthless checks in both states. Usually, a worthless check is written to a merchant for a very small sum. Rather than clog up the criminal courts with this stuff, the district attorney's developed a program whereby the merchant or whomever you gave the bad check to first writes you a letter. If you do not respond, the district attorney's office sends a letter. If you ignore that, they prosecute. However, the check you wrote falls way outside the limits of the usual bad checks and would be a felony. Perhaps once you get a criminal law attorney, and depending on the circumstances giving rise to the bad check, they may be able to work something out if you agree to make restitution. I don't know how easy the payment plan will be. I would start trying to borrow the funds from family so you can get this paid off quickly. However, discuss with your criminal attorney first.... Read More

If you are behind on the loan, the credit union can either sue you for the unpaid loan or repossess, sell the car at auction, and sue you for the deficiency. Whether you have any income or assets from which the judgment can be collected does not bear on whether they can get the judgment. If you have no real estate, no significant personal property, and your only income is social security, any judgment may well be uncollectible.... Read More

This is the problem with sharing a cell phone account with a party that is not trust worthy so my question is whose name is on the bill? If yours (or both) tell her you are going to 1) cancel her phone if she does not pay this will probably result in an early termination fee for her line 2) take her to small claims court for the past due charges and the early termination fees, if any. If its her name only on the bill tell her you are going to. 1) cancel YOUR phone if she does not pay her portion of the bill 2) she will then get into collection for the past due charges and the early termination fees for your phone, if any. and you will have a defense to her eventual action against you since she did not pay.... Read More

Actually, the creditor has to notify you in writing to take over the payments before you can be liable. If they do not do this you have a defense. If they do, request that they repo the car. They are not obligated to do so but may. If you take over the debt, you are entitled to the bank's rights in the collateral. If your relative will not sign the title over to you, you may need to get a court order.... Read More