no, the stay is created when you file BK and ends when the BK is discharged.
We have a lawyer but he has not contact us back. We are behind on the mortgage.
If you don't don't make your payment; they sure can. Chapter 7 bankruptcy doesn't last 3 years anyway. Once the automatic stay is up (meaning, you received a discharge) or the case was dismissed. They can do anything they want. In fact, they can file a motion to life the automatic stay and take the car as quickly as the judge approves it.
Yes you can file suit against the collection agency for violating the automatic stay. If you need further assistance please visit us at: <A HREF="https://www. OntrackFinancialGroup.com">Ontrack Financial Group</A>
is there a special form to fill out to file motion for release stay? where is the form obtained? what's the cost, are there attorneys that will assist?
You file an objection to the motion for relief.
No, that would be a violation, and the debtor should be able to recover damages for it. The debtor does have to file a motion for damages, however.
When you file for bankruptcy, the stay is automatically issued. That's why it's called and automatic stay. You needn't do anything.
The question is impossible to answer without more details about what you are trying to accomplish. If you are trying to foreclose, you need to file a motion for relief from stay. If you want object to the discharge of the debt, you need to file an adversary proceeding.
You can't, unless the liability is for fraud. You can file a motion for relief from stay, but it will not likely be granted. Unless the court grants you relief from the automatic stay, you cannot proceed. The liability will be discharged.
If the previous 13 was dismissed before it was completed, and the dismissal was not for cause or "with prejudice" - meaning it cannot be refiled - then a new 13 bankruptcy can be filed any time. If the court thinks you are gaming the system, though, by refiling, you may have a problem. The automatic stay will only be valid for 30 days and the debtor has to file a motion to extend the automatic stay indefinitely. If the judge thinks you are not serious, s/he may deny the motion.
Automatic Stay is the thing that is automatically done when you file bankruptcy. It protects the assets of the bankruptcy estate. It prevents collection attempts. It stops foreclosure / evictions. A motion for relief from automatic stay is filed by a creditor when they want to foreclose, continue foreclosure, eviction, reposession, etc. Speak with an attorney about your specific situation. If you can not find an attorney, contact your local Bar association and they will refer you to one.
You should file a claim in his/her Chapter 13 case; you may or may not get your money back. If you don't file a claim, you're out of luck; he/she is protected by the automatic stay while in Chapter 13, and by the discharge afterwards. (If you think it's fraud, consult an attorney.)