A well-written order should satisfy the following criteria: 1. Is the Order legible? The document should be legible so it can be easily read.  The Order, when hand written should be printed so that it can be easily deciphered. What is the message to the Judge to whom a poorly written and barely legible Order is presented? [...]

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Conflicted Romantic Infidelity: This type of infidelity occurs when people experience genuine love and sexual desire for more than one person at a time. Despite our idealistic notions of having only one true love, it is possible to experience intense romantic love for multiple people at the same time. While such situations are emotionally possible, they [...]

The requirements for filing a Chapter 13 bankruptcy case are as follows: 1) You must submit to credit counseling session. This is a one hour session with a credit counselor that can be done over the telephone, in person, or over the internet. The credit counselor will ask you about your income, your expenses, [...]

The requirements for filing a Chapter 13 bankruptcy case are as follows:

1) You must submit to credit counseling session. This is a one hour session with a credit counselor that can be done over the telephone, in person, or over the internet. The credit counselor will ask you about your income, your expenses, your assets, and your liabilities. After the end of the one hour session, you will be issued a certificate which you should provide to your attorney. Don’t rely on the credit counseling agency to provide your attorney with your certificate. Take the time to ensure your attorney has received your copy of the certificate.

2) You must provide 2 months worth of pay advices. Pay advices are proof of all sources of income such as: employment, unemployment, disability, pension, profit sharing, retirement, etc.

3) You must provide 4 years of federal tax returns. You can provide the actual return to your attorney or the transcripts can be requested directly from the Internal Revenue Service.

A bankruptcy case from filing until discharge, otherwise, from start to finish is approximately, 90 to 120 days. It is a relatively simple process from the consumer’s standpoint. The consumer provides information to his attorney who prepares the documents, acquires the required signatures, and advises the client on what steps need to [...]

A bankruptcy case from filing until discharge, otherwise, from start to finish is approximately, 90 to 120 days. It is a relatively simple process from the consumer’s standpoint. The consumer provides information to his attorney who prepares the documents, acquires the required signatures, and advises the client on what steps need to be taken. For the most part, the client only has to appear before a trustee on one occasion. At that meeting, the individual has to swear under oath that the information contained in the petition and schedules are true and accurate to the best of his/her ability. The trustee’s job is to look for assets that can be taken and administered to pay off either all or a portion of the debtor’s debt. In the overwhelming majority of Chapter 7 cases, there are no assets to be administered. Thus, the person is granted a fresh start and there is nothing that goes to the creditors. That is why very few creditors, if any, will show up at the court date. Most creditors know that when they receive the Chapter 7 notice, there is not likely going to be any assets to be administered. Further, they know that there is a Chapter 7 trustee appointed by US Court to oversee the debtor’s petition and schedules. The trustee will inquire as to veracity of the debtor with regard to the information contained in the petition and schedules. Thus, there is typically one court date, 4-6 weeks after the case is filed, from start to finish, approximately 90 – 120 days, completing the case.

Chapter 13 is reorganization through a Chapter 13 trustee, provided for under Chapter 13 of the United State Bankruptcy Code. It allows for the repayment for all or a portion of one’s debt, over a 3-5 year period. So from anywhere typically between 36 to 60 months that individual will be making a [...]

Chapter 13 is reorganization through a Chapter 13 trustee, provided for under Chapter 13 of the United State Bankruptcy Code. It allows for the repayment for all or a portion of one’s debt, over a 3-5 year period. So from anywhere typically between 36 to 60 months that individual will be making a monthly payment to a Chapter 13 trustee who will deal out payments each month to creditors, according to a certain hierarchy or priority. Chapter 13 is the perfect home-saver case. By that I mean, an individual can repay whatever they are behind on their mortgage, known as their mortgage arrearage, over the next 3-5 years, while making their regular 1st and if applicable, 2nd mortgage payment(s) on time once again. What happens with a lot home owners who are in foreclosure, is that they fall behind on their mortgage and the mortgage company wants one lumps sum payment to catch up. Well, homeowners don’t have that ability, but they do have the ability provided that they are back working, or they are not ill, to make a monthly payment to a trustee which will pay off that mortgage arrearage over the next 3-5 years. And while they are in this repayment plan, they are allowed to make their regular mortgage, on time, going forward. So, a Chapter 13 is most commonly used as the home-saver case. It is a great way to save a home that is in foreclosure when the mortgage company is not willing to work with the homeowner and the mortgage company is not looking to modify the loan. Chapter 13 provides sort of a modification, where you say “hey I am going to pay the regular mortgage payments on time again and I am going to pay the part where I fell behind over the next 3-5 years”. Yes, Chapter 13 is really a great home-saver case.

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The answer is yes, you are going to have to attend a court date. It is actually called a 341 meeting of creditors. It is a meeting required under section 341 of the bankruptcy code. It is where you appear with your attorney, you’re sworn in, and a trustee appointed by the [...]

The answer is yes, you are going to have to attend a court date. It is actually called a 341 meeting of creditors. It is a meeting required under section 341 of the bankruptcy code. It is where you appear with your attorney, you’re sworn in, and a trustee appointed by the bankruptcy court will ask a series of questions based on the documents that were filed. The trustee’s job is to determine whether or not there are any assets that can be administered and paid to creditors. In 99% of the Chapter 7 bankruptcy cases, there are no assets to be administered. The trustee makes a finding of no assets and you and your attorney walk away from the meeting, with a huge sense of relief. You get a fresh start. Now, it is not final until you receive your discharge papers, which takes another 60 – 90 days after your meeting. But, for all practical purposes, once you appear in front of the trustee and have satisfied the trustee that there are no assets to be administered you are almost home free. So, you will have to appear in court once. You may have to appear in court another time typically on a reaffirmation agreement hearing if the court wants to hear your testimony as to how you can pay for a reaffirmed debt going forward. If the court is not convinced that you can pay for the reaffirmed going forward, then the reaffirmation agreement, signed by you and the creditor will not be allowed. But, in the overall majority of cases, the judges are allowing folks to reaffirm on chosen debts. The judges also understand that with regard to vehicles, people have to get to work; they have to provide for their families. The court simply wants to make sure that the individual knows that he is going back on the hook for that debt. Back on the hook for a debt that can be eliminated. This is important because if anything should happen in the future and the auto is repossessed, the individual is on the hook for any deficiency.

When you file bankruptcy, you will have to list all the people that you owe money to. This includes family members; this includes creditors that you wanted to keep, even your American express card. I often get asked can people list utility bills on their bankruptcy, and the answer is “yes”. [...]

When you file bankruptcy, you will have to list all the people that you owe money to. This includes family members; this includes creditors that you wanted to keep, even your American express card. I often get asked can people list utility bills on their bankruptcy, and the answer is “yes”. If you are past due on the utility bill, you want to list that in your bankruptcy. Here’s why; anything that you owe prior to filing will be eliminated. Anything that you accrued from the date of filing forward, you will owe. So you can wipe out a significant amount of past due utility bills. Now, the utility company might require that you pay a security deposit, which is typically one and half times the normal month going forward to ensure you make future payments. But, if you are behind more than that on several utility bills, it is very wise to put those in your bankruptcy and get the best fresh start you can. Remember, anything you owe on an unsecured utility debt on the date of filing and going backwards, is eliminated. Anything you accrued from the day of filing forward you are on the hook for. So, since you are only going to be filing bankruptcy this one time hopefully, get the biggest bang for the buck, get the best fresh start you can, and list those utilities. I don’t care if it’s ComEd, Nicor, the garbage or the water bill. List those utilities if you are behind and get a great fresh start going forward. Please remember to make all of your required payments, on time, going forward.

If I file for bankruptcy will my job, will my employer, will my co-workers know? The answer is “no”, typically. The employers will not find out about a bankruptcy unless I need to notify them, and that will be in the case of a garnishment that I need to stop. So in [...]

If I file for bankruptcy will my job, will my employer, will my co-workers know? The answer is “no”, typically. The employers will not find out about a bankruptcy unless I need to notify them, and that will be in the case of a garnishment that I need to stop. So in those cases, yes, the employer or the payroll department will find out about the bankruptcy since I am required to send an automatic stay to stop any kind of garnishment that is pending on a client’s paycheck. But not to worry, many people file for bankruptcy, and employers are sympathetic to this and to the fact that you’re able to file for bankruptcy to stop a garnishment. Further, employers should be happy for you and it cuts down on the administrative paperwork that they have to do in turns of garnishing. So yes, your employer may know about it, only in times when I would have to stop a garnishment. But, for the overwhelming majoring of cases, your employer is not aware of your bankruptcy filing. Your co-workers are not aware of your bankruptcy and your neighbors are not aware of your bankruptcy. Someone would have to go down to the bankruptcy court, get on a public access computer and look up your name. Now how likely is that? Why would someone waste time to do that? And anyway, it is your federal right to file. You shouldn’t feel embarrassed, you shouldn’t feel shame. Everyone finds themselves in difficult situations in sometime in their lives. That is why the federal government put in bankruptcy laws to protect people, whether it be a Chapter 7 fresh start or a Chapter 13 bill consolidation case. You have to do what is best for you and best for your family going forward. So most people will not find out about your bankruptcy filing, but in the rare cases where they do, so be it. You have to do what is best for you, and if that means filing a Chapter 7 or Chapter 13, so be it.

I have clients that see me whose drivers license’s have been suspended for several different reasons. One, is that they haven’t paid their parking tickets or they have moving violations or in some cases, they were caught driving without insurance and they were involved in a motor vehicle accident. In many of [...]

I have clients that see me whose drivers license’s have been suspended for several different reasons. One, is that they haven’t paid their parking tickets or they have moving violations or in some cases, they were caught driving without insurance and they were involved in a motor vehicle accident. In many of those cases, the driver license suspension will be reversed. The most common type is when someone is driving without insurance and they get into an auto accident. There are several things can happen in that case scenario: A license can be suspend unless the individual either pays off the debt, works out an installment payment plan to pay off the debt, or file for a Chapter 7 bankruptcy. Provided it was only property damage not personal injury caused by dui, the driver license suspension will be lifted and the person will be given a fresh start.
In other cases, a Chapter 13 may be filed, to repay parking tickets, which are non-dischargeable. As long as the person is repaying those debts pursuant to a Chapter 13 repayment plan, the license will be unsuspended. Now if the person fails to complete the Chapter 13 or doesn’t repay the parking tickets, the license can be re-suspended. Then again, the most common type that I see is an auto accident, property damage only without insurance. A Chapter 7 bankruptcy will eliminate the debt, and it will undo the suspension of the driver license.

If someone owes back child support, filing a Chapter 7 bankruptcy case will never eliminate child support debt? Not only is it not dischargeable, but public policy tells us, that people should take care of their children. Child support is one of those debts that the government has deemed non-dischargeable. So, although you [...]

If someone owes back child support, filing a Chapter 7 bankruptcy case will never eliminate child support debt? Not only is it not dischargeable, but public policy tells us, that people should take care of their children. Child support is one of those debts that the government has deemed non-dischargeable. So, although you might be able to benefit with a Chapter 7 by eliminating a lot of unsecured debt, it will only free you up to pay the debts that are non-dischargeable such as child support. In addition to child support, another non-dischargeable debt is maintenance. Maintenance is spousal support and cannot be eliminate in a bankruptcy. So take advantage of the bankruptcy laws if you are struggling and eliminate what you can. However, just know that spousal support and child support are two (2) types of debts that will not be eliminated in a Chapter 7 bankruptcy.

What follows is a typical question that I hear practically daily. If I file for bankruptcy, can I keep my 401k, pension, profit sharing or other retirement accounts? The answer is yes, provided those items are left in their proper nature as retirement accounts. For example, if it’s in a 401k account, if the pension [...]

What follows is a typical question that I hear practically daily.
If I file for bankruptcy, can I keep my 401k, pension, profit sharing or other retirement accounts? The answer is yes, provided those items are left in their proper nature as retirement accounts. For example, if it’s in a 401k account, if the pension is labeled as such, it will be protected. The problem comes when someone takes a 401k withdrawal and moves those funds into a working account. In that case, there can be an issue as to the character of the funds. No longer is it a 401k, now it has been converted into regular savings. So long as it’s kept in its proper character, 401k, retirement benefit, pension, and profit sharing items are protected in a Chapter 7 bankruptcy.

This is on the mind with every single individual that I work with. Credit is typically what got them into the situation, however, they can’t wait to get back into it. They are eager to get back into a credit situation. My answer to them is this: Yes, you will get offers [...]

This is on the mind with every single individual that I work with. Credit is typically what got them into the situation, however, they can’t wait to get back into it. They are eager to get back into a credit situation. My answer to them is this: Yes, you will get offers for credit again. Immediately, yes, sometimes within six (6) months, sometimes within two (2) years. There are rarely good deals going forward from the beginning. I always recommend that a client wait six (6) months to two (2) years before they start to re-establish any kind of credit. They are going to receive offers that have annual fees, high interest rates, and other little things that will cause problems. I recommend a few things: Open up a checking account and link a debit card to it. Open up a secured credit card. This is where you put $250.00 or more into a bank account, and you have $250.00 worth of charging privileges. You are charging against your own money, that is why it is called secured. Eventually, once you show good conduct, that secured card can turn into an unsecured card. Then, once you start rebuilding your credit, more reasonable offers that are better deal for you will arrive. So yes, the good news is that there is credit after bankruptcy, the bad news, is that you will get it too fast and at too high of a price. So, hang in there. Go on a cash basis, just for a little while.
There is life after bankruptcy; you will receive credit; you can purchase a car, immediately after bankruptcy, and you can qualify for a decent mortgage after two (2) years. But be careful, you don’t want to be back in my office eight (8) years after the last case. You want to be home free, never having to file bankruptcy again. That means making smart decision going forward.

Dave Siegel’s Bankruptcy Boulevard radio show, AM1690 WVON, will be airing live today, from 4-5pm at the Moo and Oink located at 4848 W. Madison Avenue, in Chicago. Guests will include Pam Morris, Amena Shari, Loren Comitor and of course, listener questions. The entire event will be filmed for later airing on WJYS, [...]

Dave Siegel’s Bankruptcy Boulevard radio show, AM1690 WVON, will be airing live today, from 4-5pm at the Moo and Oink located at 4848 W. Madison Avenue, in Chicago. Guests will include Pam Morris, Amena Shari, Loren Comitor and of course, listener questions. The entire event will be filmed for later airing on WJYS, Channel 62.

The topics will include Chapter 7 bankruptcy, Chapter 13 bankruptcy, debt relief, debt education and financial counseling. Copies of the book Chapter 7 Success: The Complete Guide to Surviving Personal Bankruptcy will be distributed to those in attendance.

Special thanks to Loren Comitor, Moo and Oink, and WVON for making it all possible to bring my show to the West Side. It will be an event to remember.

An interesting scenario has come up with regard to auto reaffirmation agreements. The typical situation involves the creditor submitting a reaffirmation agreement well prior to the case being discharged. In fact, the majority of reaffirmation agreements are tendered and completed at or before the 341 meeting of creditors. However, here is the [...]

An interesting scenario has come up with regard to auto reaffirmation agreements. The typical situation involves the creditor submitting a reaffirmation agreement well prior to the case being discharged. In fact, the majority of reaffirmation agreements are tendered and completed at or before the 341 meeting of creditors. However, here is the interesting fact pattern. An auto creditor delays in sending the agreement for signatures. When the case closes without a valid reaffirmation agreement on file, is the debtor subject to repossession; or, is the creditor estopped from denying the ride-through in this limited fact situation. The Code does not speak to who has the burden or responsibility to tender the reaffirmation agreement. Further, the Code does not speak to who has the burden or responsibility to file said reaffirmation agreement with the Clerk of the U.S. Bankruptcy Court.

Judge Black’s most recent decision in Aldrich v. Papi (09A 00786) illustrates the court’s willingness to expand the exception to discharge found in Section 523(a)(5). In the instant case, a former spouse’s attorney had a judgment for fees awarded against Papi. When Papi filed for bankruptcy relief, the attorney filed an adversary. Despite the [...]

Judge Black’s most recent decision in Aldrich v. Papi (09A 00786) illustrates the court’s willingness to expand the exception to discharge found in Section 523(a)(5). In the instant case, a former spouse’s attorney had a judgment for fees awarded against Papi. When Papi filed for bankruptcy relief, the attorney filed an adversary.

Despite the fact that the debt was not directly owed to a spouse, former spouse or child of the debtor, the court concluded that the policy and purpose of Section 523(a)(5) and the weight of authority from other circuits, leads to the debts owed to the Plaintiff for attorney’s fees being nondischargeable in bankruptcy.

According to the agreed order, the debt owed was a required contribution to Wife’s total fees and costs, incurred regarding child-related issues such as custody, visitation and support. The fees were incurred for both the Wife and child’s benefit. If the fees are not paid by debtor, then the Wife will ultimately remain liable on the debt. Thus, the court reasoned that the debtor’s obligation to pay the Plaintiff is, in effect, a debt owed to or recoverable by Wife.

Thus, before you pick up your code and read a strict reading of Section 523(a)(5), expand your thinking into the real nature of the debt and to who may owe on the debt should one party file for bankruptcy relief. Although not specifically mentioned in the Code, a former attorney owed a debt in a divorce or family law action, can very well be part of that group able to except certain debts from discharge.

See Also: Bankruptcy Lawyers Boston

On March 15, 2010, Judge Cox ordered Chicago Auto Source, Inc. to pay a sanction in the amount of $5,000.00 plus attorney’s fees of $850.00 for its automatic stay violation as related to a 2000 BMW 528i. When Chapter 13 bankruptcy case 10-06172 was filed, attorney John Ellmann of David M. Siegel & Associates, [...]

On March 15, 2010, Judge Cox ordered Chicago Auto Source, Inc. to pay a sanction in the amount of $5,000.00 plus attorney’s fees of $850.00 for its automatic stay violation as related to a 2000 BMW 528i. When Chapter 13 bankruptcy case 10-06172 was filed, attorney John Ellmann of David M. Siegel & Associates, attempted to advise the auto financier of the bankruptcy filing. When denied proper communication channels, Ellmann filed his Motion for Sanctions. This is the second such case involving sanction motions that David M. Siegel & Associates has pending.

Why would you pay a debt consolidation company a 15% administration fee to help settle your debts? If you’re wise, the answer would be that you wouldn’t. Firstly, the debt consolidation company has no real legal authority to bind creditors to accept less than what is owed. The cases are strictly voluntary [...]

Why would you pay a debt consolidation company a 15% administration fee to help settle your debts? If you’re wise, the answer would be that you wouldn’t. Firstly, the debt consolidation company has no real legal authority to bind creditors to accept less than what is owed. The cases are strictly voluntary and many creditors do not play ball. Secondly, the services being provided by debt consolidators is something that you could, in fact, handle yourself. Lastly, you have little control when you sign the debt consolidator’s limited power of attorney. If you need a Philadelphia lawyer to read and understand the contract, it cannot be written to favor the debtor.

With regard to fees, if your placed debt is over $23,500.00, you are paying a higher total fee than if you filed for Chapter 13 bankruptcy. Word to the wise, debt consolidation is often a mistake, eventually leading to either a Chapter 7 of Chapter 13 bankruptcy. Take my simple, yet profound advice: Meet with an experienced bankruptcy attorney prior to entering into a debt consolidation program with an unknown, out-of-state entity. You may be able to save yourself from lost wages, heartache, lawsuits, garnishments, repossessions and foreclosures. There is a reason why 41 state attorney’s general are lobbying Congress to toughen the laws related to debt consolidation companies. If it sounds too good to be true, it most certainly is too good to be true.

Even if a court meets jurisdictional criteria, it may decline to exercise its jurisdiction, and it must in some cases if it finds that it is an inconvenient forum for making such determinations under the circumstances of the case and that a court of another state is a more appropriate forum.  Klumpner v. Klumpner. This Act [...]

Even if a court meets jurisdictional criteria, it may decline to exercise its jurisdiction, and it must in some cases if it finds that it is an inconvenient forum for making such determinations under the circumstances of the case and that a court of another state is a more appropriate forum.  Klumpner v. Klumpner.

This Act requires that the trial court decline jurisdiction once it is aware that it may be an inconvenient forum, and that the court of another state is more appropriate.  In re Pavelcik.

Even where the requirements of 750 ILCS 35/4 are met and the court has jurisdiction to make a child custody determination, it may decline to exercise it if it finds that court to be an inconvenient forum for the determination under the circumstances of the case, and that a court of another state is a more appropriate forum.  Noga v. Noga.   

This Act involves a process in which the court must first resolve whether it has jurisdiction under 750 ILCS 35/4, and after such a finding, it must determine under this section and 750 ILCS 35/7 whether it should decline to exercise jurisdiction.  In re Levy.

                                                  Atty. No.   IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS  MUNICIPAL DEPARTMENT - SECOND DISTRICT                                                        Z AN ILLINOIS                   CORPORATION,                                      Plaintiff,       v.                                 No.  2002  TAMMY    Defendant.         AFFIDAVIT REGARDING ATTORNEY’S FEES I, Attorney of Record, being duly sworn on oath, having personal knowledge of the relevant herein, and if called as a witness would competently testify as follows: 1. That Affiants are attorneys, licensed to practice law in [...]

 

                                                Atty. No. 
 IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS
 MUNICIPAL DEPARTMENT - SECOND DISTRICT

                                                      
Z AN ILLINOIS                  

CORPORATION,                      
               Plaintiff,       v.                               

 No.  2002 
TAMMY   

Defendant.       

 AFFIDAVIT REGARDING ATTORNEY’S FEES
I, Attorney of Record, being duly sworn on oath, having personal knowledge of the relevant herein, and if called as a witness would competently testify as follows:

1. That Affiants are attorneys, licensed to practice law in the State of Illinois since 1988, and 1990 respectively, and that they is paid $100.00 per hour for office time and $125.00 per hour for court time.

2. That Affiants have rendered the usual and customary services as the attorneys for the Plaintiff in regards to the above action and other relief.

3. That the attached itemized statement, marked Exhibit “A”, attached hereto and incorporated herein, as to the services rendered regarding this case is correct to the best of our knowledge.
FURTHER AFFIANTS SAYETH NOT.              

                                                                
                                         Attorney

 

STATE OF ILLINOIS  )
                              )  SS
COUNTY OF C O O K )

 

Under penalties as provided by law pursuant to Section 1-109 of the Illinois Code of Civil Procedure, the undersigned certifies that the statements set forth in this instrument are true and correct, except as to matters therein stated to be on information and belief as to such matters the undersigned certifies as aforesaid that he verily believes the same to be true.
                                                                         Attorney
See Also:  Divorce Las Vegas

Gift  The circuit court’s conclusion that the bracelet given to petitioner by respondent’s mother, who carried insurance on it, belonged to the petitioner was contrary to the manifest weight of the evidence; therefore, bracelet was not included in marital property.  In re Simmons  The trial court erred in awarding gold cross to petitioner wife as her separate [...]

Gift
 The circuit court’s conclusion that the bracelet given to petitioner by respondent’s mother, who carried insurance on it, belonged to the petitioner was contrary to the manifest weight of the evidence; therefore, bracelet was not included in marital property.  In re Simmons
 The trial court erred in awarding gold cross to petitioner wife as her separate non-marital property where the evidence established that it was given to husband by his uncle many years prior to the marriage and there was no affirmative proof of an intention to make a gift to the wife.  In re Uluhogian
Improvement
 The stores owned by a husband prior to the marriage remained non-marital despite their absorption of some marital resources because it was permissible for one spouse to improve the other spouse’s non-marital property without making that property marital.  In re Kennedy
Individual Retirement Account
 Where an Individual Retirement Account was treated as the exclusive property of husband since he used the account as an adjustment to income on his separate tax return, this was property acquired solely by husband during the marriage and fell within the exclusion of the prenuptial agreement.  In re Burgess
Investment
 The interest earned during the marriage on one spouse’s investment account was her non-marital property, as an increase in the value of property acquired before marriage remained non-marital property.  In re Deem
Legislative Intent
 The intent of this section as a whole was designed to eliminate disparity between the marriage partners; however, the exceptions (1) through (6) of subsection 9a) of this section manifest the legislative purpose to preserve the character of non-marital property in those situations where the actions of the parties have not created ambiguity.  In re Smith
Test
 Where property was acquired before marriage, title is a relevant indicator to determine at the time of dissolution whether the property has remained non-marital.  In re Drennan

See Also:  Divorce Lawyers New York

 Where plaintiff used his equity in first residence to purchase a new home titled in both parties’ names, thereby commingling the properties so as to transmute his equity into marital property, the residence was properly classified as marital.  In re Thacker  A family residence was properly deemed marital property where the husband purchased the house approximately [...]

 Where plaintiff used his equity in first residence to purchase a new home titled in both parties’ names, thereby commingling the properties so as to transmute his equity into marital property, the residence was properly classified as marital.  In re Thacker
 A family residence was properly deemed marital property where the husband purchased the house approximately two months before the parties were married by borrowing $3,000 for the down payment and mortgaging the remaining purchase price, as he never spent any money from personal funds accumulated prior to the marriage, and the mortgage payments were made with marital funds.  In re Ohrt
 Where house was purchased by the parties prior to, but “in contemplation of” their marriage; the parties were living together at the time of the purchase and had discussed acquiring a marital home; they both accompanied the real estate agent to view the property for the first time; they both signed the offer to purchase the property; former wife’s parents provided a loan of $5,000 towards the down payment; and additional $5,000 came from the parties joint funds; they used joint funds in addition to the rental income from the property to make the mortgage payments prior to moving into the home; and during the marriage all mortgage payments were made from marital funds, the house was considered a marital asset.  In re Malters

See Also: Bankruptcy Lawyers Boston

Where do you look for these financial documents? Some of the information may be at your fingertips, but some might require sleuthing. Start looking in the obvious places — where you and your spouse keep important papers in the house and in your safe-deposit box, if you have one. But also watch the mail, and [...]

Where do you look for these financial documents? Some of the information may be at your fingertips, but some might require sleuthing. Start looking in the obvious places — where you and your spouse keep important papers in the house and in your safe-deposit box, if you have one. But also watch the mail, and be alert to anything from insurance companies, credit-card companies, banks, brokerage firms, and mutual-fund companies. Go to your employer for work-related documents, such as what you currently have in your pension account. Ask your accountant, attorney and financial advisors for copies of any financial information they have,
such as prior tax returns or documents on ownership of property.

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Satisfy Your Credit Counseling Requirement Before Filing Bankruptcy

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