tag:blogger.com,1999:blog-788849002025834990.comments2023-10-28T10:25:59.851-04:00Your Freedoms and the LawKelsey & Trask, P.C.http://www.blogger.com/profile/05241677623102829217noreply@blogger.comBlogger249125tag:blogger.com,1999:blog-788849002025834990.post-69526990455740773572015-10-09T22:35:31.237-04:002015-10-09T22:35:31.237-04:00Yes, if it truly is a loan and does not violate th...Yes, if it truly is a loan and does not violate the MA Assault Weapons Ban. The MA resident would be able to possess and/or carry a weapon not on the list in MA as long as he or she has a valid MA LTC, and as long as he or she abides by the MA Assault Weapons Ban. <br /><br />The requirement to be on the Approved Weapons Roster and Attorney General's list applies to sales and transfers through FFLs, but not to the mere possession of said firearm. However, the situation you describe could be seen as a "straw purchase" if the lender never intended to own or possess the weapon themselves. You cannot get around the legal purchase requirements in MA by using a "straw man" to purchase, because that would violate the federal ban on straw purchases recently upheld by SCOTUS: http://www.wsj.com/articles/supreme-court-upholds-federal-ban-on-straw-purchases-of-guns-1402932979.<br /><br />(The Assault Weapons Ban in MA is taken almost exactly from the Federal Assault Weapons Ban of 1994. Read the Federal Assault Weapons Ban here: https://www.govtrack.us/congress/bills/103/hr4296/text. Read the Assault Weapons Ban codified in MA law here: https://www.govtrack.us/congress/bills/103/hr4296/text)Skylark Law & Mediation, PChttps://www.blogger.com/profile/06250036288369242533noreply@blogger.comtag:blogger.com,1999:blog-788849002025834990.post-90825664808683473792015-10-04T11:35:21.639-04:002015-10-04T11:35:21.639-04:00What are the legalities surrounding this situation...What are the legalities surrounding this situation?<br /><br />A family member or friend who resides in another state possesses a handgun that is perfectly legal in the state in which they reside - NH for instance - but would not be legal for a MA resident to purchase/have transferred through an FFL because it doesn't appear on the approved roster or is AG approved.<br /><br />But that friend/family member is willing to loan the handgun to a MA resident. Would that MA resident (duly licensed with a Class A LTC) be able to possess and/or carry it?Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-788849002025834990.post-71407415213702401542015-06-12T17:40:55.547-04:002015-06-12T17:40:55.547-04:00I understand that a lot of people want to declare ...I understand that a lot of people want to declare bankruptcy on their own. However, I don't think that is the best idea. Not all of us are experts in this field. You can really do some damage to your current situation if you mess up on those forms or forget some key steps. For that reason, it is very wise to at least hire an attorney or preparer to assist you. <a href="http://www.vineandwilliams.com/about-us/" rel="nofollow"> http://www.vineandwilliams.com/about-us/</a>Anonymoushttps://www.blogger.com/profile/14816089835801187704noreply@blogger.comtag:blogger.com,1999:blog-788849002025834990.post-87443641551977421482015-06-03T14:58:19.072-04:002015-06-03T14:58:19.072-04:00Thank youThank youemrecanhttp://www.deepwebtr.info/noreply@blogger.comtag:blogger.com,1999:blog-788849002025834990.post-12983217221958580402015-04-06T15:54:19.798-04:002015-04-06T15:54:19.798-04:00A letter wouldn't really be enforceable. You ...A letter wouldn't really be enforceable. You could write up a contract between you and your friend to that effect. You could also both go on the title.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-788849002025834990.post-16273927944272262272015-04-06T15:49:24.376-04:002015-04-06T15:49:24.376-04:00I am co-signing for a friend on a car loan.Since I...I am co-signing for a friend on a car loan.Since I have good credit, he'll pay no interest.Can I wright up a letter stateing that if he misses payments the car will automatically be mine and I will continue the payments?Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-788849002025834990.post-74602294838098209662015-03-07T15:50:03.045-05:002015-03-07T15:50:03.045-05:00Please refer to our follow up post: I co-signed a ...Please refer to our follow up post: <a href="http://bankruptcyma.blogspot.com/2012/05/i-co-signed-loan-and-primary-borrower.html" rel="nofollow">I co-signed a loan and the primary borrower has filed for bankruptcy. What should I do to protect myself?</a>Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-788849002025834990.post-3751795789053317862015-03-07T15:47:23.287-05:002015-03-07T15:47:23.287-05:00It is likely that you can sue your ex or bring him...It is likely that you can sue your ex or bring him into the lawsuit by the bank. You may be also be able to settle with the bank. You should discuss these details in more depth with an attorney in your area. Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-788849002025834990.post-17741775426641353552015-03-07T15:40:26.803-05:002015-03-07T15:40:26.803-05:00The Ch 13 Trustee is supposed to maximize payments...The Ch 13 Trustee is supposed to maximize payments to creditors. If you contact the Ch 13 Trustee and tell them what you wan to do, they may be able to help, because if you pay that bill, that means more money in the plan for other creditors.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-788849002025834990.post-49392253739722703562015-03-07T15:21:19.553-05:002015-03-07T15:21:19.553-05:00A co-signed car loan is an example of a joint debt...A co-signed car loan is an example of a joint debt. As described above, if a joint debt is not paid off in the divorce, then from the creditor's perspective it is still owed by both parties. If the divorce judgment requires one spouse to pay the debt and they do not make payment or file for bankruptcy, it will affect both spouse's credit and the creditor can come after either or both of them to collect. The spouse who was supposed to be protected in the divorce can likely file a Complaint for Contempt, but this may depend on the bankruptcy status. Your best strategy really depends on what your goals are, i.e. whether or not you want to keep the car. If you're not sure the best path to proceed then I would suggest you consult with an attorney who can fully review all of your paperwork and make a recommendation. Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-788849002025834990.post-29869078771947371152015-03-06T15:50:21.411-05:002015-03-06T15:50:21.411-05:00You should read our companion post which addresses...You should read our companion post which addresses this question: <a href="http://bankruptcyma.blogspot.com/2012/05/i-am-primary-borrower-on-loan-and-my.html" rel="nofollow">I am the primary borrower on a loan and my cosigner has filed for bankruptcy. What should I do to protect myself?</a>Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-788849002025834990.post-65793726822642005732015-03-06T15:27:17.162-05:002015-03-06T15:27:17.162-05:00I have a friend who co signed a car loan with me, ...I have a friend who co signed a car loan with me, I am the payer, I do not ask her to pay for the car in any way. She is filing for bankruptcy, and I am not sure what to do. She doesn't make any of the payments, I make them all, however she is listed as the primary, will I lose my car? Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-788849002025834990.post-3636649583851506292015-03-05T21:49:12.293-05:002015-03-05T21:49:12.293-05:00I was the primary borrower for a car loan and my e...I was the primary borrower for a car loan and my ex was the co-signor, This was a mistake by the bank. The title to the car is in my ex's name. In the divorce he is ordered to make the payments but has filed Chapter 13 bankruptcy against the debt. The bank will not give me any information but are still putting this on my credit report. What should I do? Jenhttps://www.blogger.com/profile/02980365114744151867noreply@blogger.comtag:blogger.com,1999:blog-788849002025834990.post-73921126736926651442015-03-03T11:31:20.844-05:002015-03-03T11:31:20.844-05:00I co signed on a loan and they primamry filed ch 1...I co signed on a loan and they primamry filed ch 13 bankruptcy. I tried to call and pay the debt to have it removed from my credit but they say im not able to pay on it since the loan is in the ch 13 bankruptcy. I want to buy a house now will this loan being in ch 13 stop me from purchasing?Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-788849002025834990.post-6314510555201188252015-02-28T08:28:53.609-05:002015-02-28T08:28:53.609-05:00I was the primary borrower of a car loan with my e...I was the primary borrower of a car loan with my ex boyfriend , my ex was the co-signer. We broke up, I couldn't make the payments, he kept the vehicle, and said would take over, he never made any payments on it, the bank was trying to repossess the vehicle, but they couldn't find the vehicle, I tried multiple times to get in touch with him to give the vehicle to the bank since he wasn't paying it or to give me back the vehicle, so that I could get into a payment arrangements with the bank, he ignored my calls and emails. He said he sold the vehicle and that it was somewhere in Mexico. I didn't hear anything else for years till, I checked my credit and the loan was there as delinquent , and now I received a letter that the bank filed a lawsuit against us. I don't want to pay for a vehicle that i don't have and don't know where it is . I want to know , if I can suit my ex boyfriend for the amount they are suing us since he took the vehicle? Is there anything legal I can do against him? It's possible that he could of sold the vehicle even if is in my name? Can I file a police report against my ex? What can do. Please help. Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-788849002025834990.post-57155936947158718622015-02-27T16:48:52.029-05:002015-02-27T16:48:52.029-05:00My son is filing bankruptcy. We are the cosigners ...My son is filing bankruptcy. We are the cosigners on his house loan. Will this affect our credit rating? I also just read about an "acceleration clause" from your article that could be in our loan. Didn't even know about this when we signed the papers. Where would I find this information to see if this is in our loan? Now I'm worried...Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-788849002025834990.post-2881319796003812862015-02-24T17:10:35.608-05:002015-02-24T17:10:35.608-05:00I'm sorry, but I'm not sure what your ques...I'm sorry, but I'm not sure what your question or concern is. If you have a lawyer who assisted with your case, I suggest contacting them with your question.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-788849002025834990.post-74166036648388451142015-02-24T17:07:43.009-05:002015-02-24T17:07:43.009-05:00My husband and I bought a house. My husband was li...My husband and I bought a house. My husband was listed as primary and myself and my grandfather were considered co borrowers. We filed for chapter 7 bankruptcy in 2012. We didn't include our home in the bankruptcy but the bank hasn't ever sent us reaffirmation papers. My grandmother just now sees on her credit report that our house is paid off, but it's not. We never told my grandparents about the BK and I've been reading that they should've received a notice. I don't think they did or they would've called me. The house shows on our credit and it's not paid off, what do you think happened? Would I need to call the bank and ask or should I contact the BK lawyer? Or should I just let it go? We are current on our house payments so I'm not worried about them being responsible for anything but not sure what I should do about it showing up paid in full on their,credit.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-788849002025834990.post-60894658636839427352015-02-13T17:36:49.407-05:002015-02-13T17:36:49.407-05:00I'm not sure what you mean by "no paper t...I'm not sure what you mean by "no paper trail." Presumably there is a title for the car and a promissory note for the loan. You still owe the money for a loan that you agreed to pay unless you have also filed for bankruptcy. Just because something is not on your credit report does not mean you do not owe it or that it does not exist. Credit reporting is a separate issue from actual liability. Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-788849002025834990.post-14511201474208753022015-02-13T17:15:12.393-05:002015-02-13T17:15:12.393-05:00Co-signing does make you liable for the loan and t...Co-signing does make you liable for the loan and the primary borrower filing bankruptcy does not end your liability. Whether you are still liable 15-16 years late is a different question. You should contact an attorney in your local area to review the case and help you determine if you have any defenses. Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-788849002025834990.post-5154048865222329052015-02-13T17:05:35.954-05:002015-02-13T17:05:35.954-05:00This isn't on my credit nor has it ever been. ...This isn't on my credit nor has it ever been. I received letter 2 days ago. I called the debit collector and he stated that the borrower filed for bankruptcy and that covers them not me. The bankruptcy is settled and that since I promised the loan by co signing I would have to pay. Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-788849002025834990.post-29724861821597251562015-02-13T17:02:27.481-05:002015-02-13T17:02:27.481-05:00The loan never appeared on my credit. It's sti...The loan never appeared on my credit. It's still not on my credit. The debt collector sent me a letter saying I owed for the loan. No correspondence at all until now. The debt collector told me the person borrower was protected under their bankruptcy. I as the co signer am not covered and since i co signed I promised to guarantee to the loan. He also stated that the bankrupcy was settled and i would have to pay this loan now. Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-788849002025834990.post-19934221436648555082015-02-13T16:22:42.901-05:002015-02-13T16:22:42.901-05:00That's not nearly enough information to answer...That's not nearly enough information to answer your question. A good first step would be to pull your credit report and see if the loan appears on there and whether it has been paid off or not.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-788849002025834990.post-14341578828139894562015-02-13T11:50:53.932-05:002015-02-13T11:50:53.932-05:00I co singed on a car loan 15-16 years ago. The per...I co singed on a car loan 15-16 years ago. The person filed bankruptcy at least 10-12 years ago. Am I still liable for this loan?Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-788849002025834990.post-74068399878915067632015-02-12T19:56:11.253-05:002015-02-12T19:56:11.253-05:00I have a car loan through Santander and my aunt as...I have a car loan through Santander and my aunt as a cosigner. A few mouths after she filed for bankruptcy and since then the loan has been through there bankruptcy department. They haven't been filing on my credit and wiped all of it I had from it before. I'm now trying to get a new car and there is no paper trial of me owning the car I own now in the first place. If I was to just give them the car could they even do anything even though I still owe them money for the loan? Tonyhttps://www.blogger.com/profile/03235581627812714780noreply@blogger.com