Housing

Housing

John Roska: How Chapter 7, 13 bankruptcies differ

Q: What's the difference between a Chapter 7 and Chapter 13 bankruptcy? If I want to save my house and car, which one is best?

A: A Chapter 7 bankruptcy wipes out as much debt as possible. A Chapter 13 repays as much debt as possible, and gives you extra time to repay.

What's best use of busy corner?

CHAMPAIGN — At the northeast corner of Springfield and Mattis sit a church and three single-family homes.

But a possible zoning change could bring an apartment building or a new business to the second-busiest intersection in Champaign.

Building permits, April 10, 2016

Listed are permits for all commercial and industrial work, all new single-family and multifamily residences and all residential remodeling over $50,000.

Champaign

TAG Residential LLC, new single-family home at 406 Corey Lane, $147,687.

TAG Residential LLC, new single-family home at 408 Corey Lane, $156,000.

Preserving the moment

A vivarium that used to give a home to campus ducks, a church renovation that revealed old beauties, a new home for a favorite pizza place, a school turned into a museum and other projects will be honored with PACA Heritage Awards today. The program begins at 2 p.m. at the Community United Church, 805 S. Sixth St., C.

Building permits, April 3, 2016

Listed are permits for all commercial and industrial work, all new single-family and multifamily residences and all residential remodeling over $50,000. Permits are listed by applicant, description, site and cost.

Champaign

KAP Architecture LLC, alteration to multifamily dwelling at 509 S. Green St., $62,200.

John Roska: Home probably safe from small-claims judgment

Q: I got sued and had a judgment entered against me in small claims court. Now they've recorded that judgment as a lien on my real estate. Can I lose my house for the debt?

A: In theory, maybe. In practice, no. Creditors almost never sell someone's house to repay a debt. You don't have much to worry about.

Lots to consider in Curtis Road plan

CHAMPAIGN — Plenty of outdoor gathering space, transportation options and a promise of planning ahead will be incorporated into the Curtis Road Interchange Area Master Plan when it's presented to the Champaign City Council on April 12.

Danville's substandard housing: Interior inspections, nuisance declarations on tap?

DANVILLE — Even with volunteer labor, a new Habitat for Humanity house in Danville may appraise for less than the cost of building it, according to Executive Director Paul Sermersheim.

Building permits, March 27, 2016

Listed are permits for all commercial and industrial work, all new single-family and multifamily residences and all residential remodeling over $50,000. Permits are listed by applicant, description, site and cost.

Champaign

Habitat for Humanity, new single-family dwelling at 904 N. Hickory St., $100,000.

John Roska: Lead paint and tenants

Q: Can I have the landlord test for lead paint? If lead is found, what are my rights? Does the landlord have to remove it?

A: Landlords don't have to test for lead paint. They can only be required to remove lead paint when a tenant's blood tests show someone's been exposed to lead.