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Bill Zurinskas
State of Practice: Colorado
Member Since: 11/30/2010
Last Answer: 07/02/2013

About Me

Bill Zurinskas is a bankruptcy attorney in Longmont, Colorado. Attorney Zurinskas has thousands of cases filed for satisfied clients. Bill Zurinskas is a Federally Designated Debt Relief Agency and Bankruptcy Lawyer. Bill Zurinskas has 27 years Bankruptcy Attorney/Lawyer experience. Bill Zurinskas offers free initial consultation. Mr. Zurinskas has an A+ BBB rating. Mr. Zurinskas serves Boulder and Fort Collins Bankruptcy with fees from $599, plus filing fee for simple chapter 7 Bankruptcy.

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Bill Zurinskas
State of Practice: Colorado
Member Since: 11/30/2010
Last Answer: 07/02/2013

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Bankruptcy Law Center - Free legal questions and answers - LawQA.com

Free Answers to your Legal Questions by Lawyers.
« back
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Bill Zurinskas
State of Practice: Colorado
Member Since: 11/30/2010
Last Answer: 07/02/2013
© 2017 MH Sub I, LLC. All rights reserved.
Terms & Conditions | Privacy Policy | IB Cookie Policy

Bankruptcy Law Center - Free legal questions and answers - LawQA.com

Free Answers to your Legal Questions by Lawyers.
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Bill Zurinskas
State of Practice: Colorado
Member Since: 11/30/2010
Last Answer: 07/02/2013
Answer: Exemptions in Colorado, normally protect 100% of 401k funds. Once a creditor obtains judgment, they can garnish up to 2 ...read more
Answer: In Colorado, if you are current on your vehicle obligations and don't have equity in excess of the applicable exemptions ...read more
Answer: Most debtors keep their homes in chapter 13 bankruptcy and even if you are behind in your mortgage payments Chapter 13 b ...read more
Answer: You can discharge a co-signed obligation in your bankruptcy.
Answer: In Colorado, the statute of limitation on debt is 6 years from the date of last payment. There is no minimum amount of ...read more
Answer: Bankruptcy will not cause the loss of your car unless the car's equity exceeds the applicable exemption limit. In Color ...read more
Answer: In Colorado, it is possible to reverse a personal bank account garnishment by filing a claim of exemption, as long as th ...read more
Answer: It is possible to reject leases in a chapter 7 bankruptcy also.
Answer: Until you actually file your bankruptcy, your creditors can still bring a lawsuit against you for any delinquent debt. ...read more
Answer: In a Colorado Bankruptcy, a debtor must list ALL debts, even those debts that the debtor intends to keep paying. If you ...read more
Answer: Amend Schedule F and add the omitted creditor.
Answer: In almost all cases, Yes. To file a chapter 13 after a previous Chapter 13 (with discharge), one need only wait 2 years ...read more
Answer: Yes. A married person can always file bankruptcy individually (that is without the other spouse joining in a joint peti ...read more
Answer: A voluntary repossession of an "upside down" vehicle in Colorado will usually result in a deficiency after the sale of t ...read more
Answer: Bankruptcy will stop a wage garnishment.
Answer: A bankruptcy can still be filed in spite of any payment agreement. You cannot waive your right to file Bankruptcy.
Answer: Bankruptcy cases are reopened by filing a motion to reopen. Most Bankruptcy courts will charge a new filing fee. If y ...read more
Answer: The best selfhelp chapter 7 bankruptcy guide is published by Nolo Press. If you have a very simple bankruptcy, it will ...read more
Answer: Yes, if you file after getting married. Do not get married until you talk to a Bankruptcy Attorney.
Answer: Everything depends on the type of business entity you operate under. Is the business a corporation, LLC, partnership or ...read more
Answer: A corporation can file for chapter 7 bankruptcy (liquidation) but cannot receive a discharge of its debts. A corporatio ...read more
Answer: In Colorado chapter 13 bankruptcy, you may be able to strip the 2nd mortgage, but not the first. Congress is currently ...read more
Answer: A debtor in a chapter 13 bankruptcy (if not converted from a chapter7) has the right to dismiss at any time (with a few ...read more
Answer: Bankruptcy by a business entity such as a corporation, LLC, etc., will not relieve you from liability on your personal g ...read more
Answer: In Colorado, even unlisted debts can be disharged if your case was a no asset case. Also, in Colorado the statute of li ...read more
Answer: Yes, bankruptcy will stop a wage garnishment for medical bills.
Answer: Most debtors do not lose their motor vehicles in bankruptcy but the trustee may take possession of your vehicle if it ha ...read more
Answer: In Colorado, you file your bankruptcy before the sale date of the foreclosure in order to stop a foreclosure.
Answer: It is important to talk to competent legal counsel now to determine whether to fight the lawsuit or file bankruptcy. It ...read more
Answer: Most debtors keep their motor vehicles in bankruptcy. It depends on how much equity you have in the vehicle. Contact a ...read more
Answer: Bankruptcy may be your best option to deal with overwhelming debt, but you should get a free consultation with an experi ...read more
Answer: Overwhelming medical bills are the most common reason for filing bankruptcy in Colorado. She should get a free consulta ...read more
Answer: Foreclosure and bankruptcy in Colorado go hand in hand these days. After the foreclosure, the 2nd deed of trust holder ...read more
Answer: Saving your home in bankruptcy requires that you file a chapter 13 bankruptcy to cure the default. You have filed the w ...read more
Answer: I think you are concerned with "losing home in bankruptcy" issues. Since you are on title to your home, your interest i ...read more
Answer: A chapter 13 bankruptcy can generally be filed 4 years after the filing date of a previous chapter 7.
Answer: In a chapter 13 bankruptcy, your savings will not be taken from you as long as you reconcile it in the chapter 13 plan.
Answer: For a Chapter 13 bankruptcy in Colorado, all the trustee or court require for filing is the tax return for the year prio ...read more
Answer: Chapter 13 bankruptcy is designed to let you keep property that might be lost in a chapter 7.
Answer: Colorado foreclosure after bankruptcy (assuming you are in default on your 1st mortgage obligation) is the first step th ...read more
Answer: Credit card companies generally work a defaulted credit card obligation with their in-house collectors for approx. 6 mos ...read more
Answer: Your bankruptcy will only discharge your debt. Your husband's debts will not be discharged and the creditors will coll ...read more
Answer: The chapter 13 filing fee is $235, plus an additional $39 miscellaneous fee for a total of $274.
Answer: The means test in Colorado sets the median family income for a family of one at $48,598, therefore (assuming you are not ...read more
Answer: In chapter 13 bankruptcy, the monthly disposable income goes to the chapter 13 trustee.
Answer: Bankruptcy can discharge older income tax debt (I assume you are talking about income taxes) . If you filed bankruptcy ...read more
Answer: Bankruptcy is always cheaper than debt settlement. For example, let's say you have $30,000 in unsecured debt on average ...read more
Answer: Medical Bankruptcy (which is a bankruptcy to eliminate primarily medical bills) is the most common kind of bankruptcy an ...read more
Answer: Most debtors keep their vehicles in chapter 7 bankruptcy under Colorado exemption law. It depends on how much equity yo ...read more
Answer: Attorney's fees for filing Chapter 13 bankruptcy are significantly more expensive than fees for chapter 7. In Colorado, ...read more
Answer: Chapter 13 bankruptcy plans may be amended if feasible due to a change of circumstances.
Answer: In Colorado, foreclosure after chapter 7 bankruptcy is likely if you are not current on your mortgage payments. For deb ...read more
Answer: Medical bankruptcy is the most common cause of bankruptcy. More than half of the bankuptcies filed are primarily due to ...read more
Answer: Filing Bankruptcy after foreclosure to discharge a mortgage debt is common, but first make sure you owe a balance on the ...read more
Answer: Chapter 13 Bankruptcy law in Colorado allows for the stripping of a wholly unsecured junior mortgage.
Answer: Colorado bankruptcy law doesn't require that you reaffirm your home loan in order to retain the real estate, so most deb ...read more
Answer: Applies to Colorado bankruptcy only: First check the internet or yellow pages and find 3 attorneys with lots of bankru ...read more
Answer: Depends on who owns the properties. If an LLC or Corporation or other legal entity owns only the one problem property, ...read more
Answer: Creditors tend to sue around 6 months after default. Some creditors will not sue unless they can verify employment stat ...read more
Answer: Chapter 7 bankruptcy is often the best option to eliminate credit card debt. The other options are debt consolidation a ...read more
Answer: Applies to Colorado bankruptcy using Colorado exemptions only: Yes, you can strip a wholly unsecured 2nd deed of trust o ...read more
Answer: You can file bankruptcy quickly assuming you can complete credit counseling and receive the certificate, fill out the ba ...read more
Answer: Colorado Chapter 13 payments plans generally are three or five years in duration. It can be less than three years if yo ...read more
Answer: Yes, you can rent an apartment after filing bankruptcy. Many potential lamdlords will pull a credit report on you and s ...read more
Answer: Yes. With credit so easily available, it is possible to get buried in debt at eighteen years of age.
Answer: Bankruptcy can discharge deficiencies from a foreclosure of a 1st mortgage, as well as the balance due on a second mortg ...read more
Answer: Applies to Colorado Bankruptcy using Colorado exemptions only: It is possible to keep your home if your file a chapter ...read more
Answer: Creditors on average sue at about 6 mos. after initial default, but some are a lot quicker than others. Some are amazin ...read more
Answer: Bankruptcy is a matter of public record. Anybody can go to the court and check the records. If a family member has acc ...read more
Answer: Yes, Bankruptcy will eliminate real estate debt, unless reaffirmed, or you may have the option of continuing to pay the ...read more
Answer: Bankruptcy will normaly discharge a promisssory note obligation. If the note is secured by collateral, the security int ...read more
Answer: A bankruptcy filing does not mean that you automatically lose your motors vehicles. If you have a vehicle which is colla ...read more
Answer: It would be a rare case in which your ex-husband would be liable on your credit card under Colorado law. Tell your ex-h ...read more
Answer: Chapter 13 bankruptcy can stop a foreclosure of your home. The plan must provide for the curing of the HOA default.
Answer: As long as you qualify, Chapter 7 bankruptcy is the cheapest, easiest and fastest type of bankruptcy. Most debtors file ...read more
Answer: Eligibility for bankruptcy in Colorado depends on whether you have filed bankruptcy before. Assuming you received discha ...read more
Answer: You can file bankruptcy and stop lawsuits. It is better to file bankruptcy before the creditor gets a judgment. Once a ...read more
Answer: You can file a chapter 13 bankruptcy to cure the defaults on your first and second mortgages.
Answer: The fact that you are unemployed will generally not negatively affect your bankruptcy filing.
Answer: Applies to Bankruptcy filed in Colorado and using Colorado exemptions only: Unsecured debt is generally discharged in ba ...read more
Answer: Yes, you can be sued by a law firm representing a creditor on a defaulted debt.
Answer: Answer applies to Colorado bankruptcy filings only: Most debtors filing bankruptcy in Colorado get to keep their motor ...read more
Answer: Applies to Colorado bankruptcy only: Yes, a creditor with a judgment can place a judgment lien against jointly owned r ...read more
Answer: It is better to get all three major credit reports before filing bankruptcy (Experian, Transunion & Equifax)
Answer: When you have difficulty in paying your mortgage, you should first consider applying for a Mortage Modification with you ...read more
Answer: You can file a chapter 7 bankruptcy 6 years after a previous chapter 13 bankruptcy (assuming chapter 13 discharge was gr ...read more
Answer: Chapter 7 bankruptcy is almost always the best bankrupty option. It costs less than half the cost of chapter 13 bankrupt ...read more
Answer: Yes, you can file chapter 7 bankruptcy if you are unemployed. Chapter 13 bankruptcy requires a payment plan and you must ...read more
Answer: Applies to Bankruptcy in Colorado only: There is no limit on the minimum amount of debt in a chapter 7 bankruptcy. Cha ...read more
Answer: Yes, you can file bankruptcy alone without your spouse. Your spouse's assets will not be involved in your bankruptcy unl ...read more
Answer: Yes, bankruptcy can remove credit card debt.
Answer: You are required by law to list all known creditors in your bankruptcy. If you don't know who your creditors are, get yo ...read more
Answer: Applies to Colorado Bankruptcy only: Most debtors file chapter 7 bankruptcy. The attorney fees for chapter 7 bankruptc ...read more
Answer: In Colorado, most debtors keep their house and cars after filing chapter 7 bankrupty, but your case is likely to have pr ...read more
Answer: Yes. Most debtors will not file bankruptcy with only $7000 in dischargeable credit card debt, but in some cases it is t ...read more
Answer: Yes, a married couple can always file bankruptcy jointly. Creditors will often try to collect from you your spouse's me ...read more
Answer: Applies to Chapter 7 bankruptcy using Colorado exemptions: Most debtors get to keep their motor vehicles in a chapter 7 ...read more
Answer: Applies to Bankruptcy Colorado only: Keeping your homestead in bankruptcy largely depends on two factors: 1) whether or ...read more
Disclaimer: The information provided on this site is not legal advice, does not constitute a lawyer referral service, and no attorney-client or confidential relationship is or should be formed by use of the site. The attorney listings on the site are paid attorney advertisements. Your access of/to and use of this site is subject to additional Supplemental Terms.
© 2017 MH Sub I, LLC. All rights reserved.
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