We would have to sit down and discuss the details of your situation, but generally Chapter 13s are for homeowners who want to save their homes. You might qualify for a Chapter 7 if you don't want to save the home. Our office would be happy to schedule a free consultation to discuss your case.
You may be eligible to file Chapter 7 bankruptcy and keep your home and your car, depending on how much equity you have in them and how they're titled. Chapter 7 doesn't require disposable income. Talk to a good Maryland bankruptcy attorney about it.
Yes, creditors can object to the discharge of that particular debt for various reasons. They can also object to the discharge of all of your debts. You should contact an experienced Maryland bankruptcy attorney ASAP. The attorney can read the motion, tell you what's going to happen in your case, and prepare to fight it.
A bankruptcy discharge will usually discharge tax debt that is more than three years old if the tax returns were filed timely. You should ask a Maryland bankruptcy attorney for a free consultation in order to discuss the best approach about tax lien and the MVA fines. Our office offers free consultations.
Yes, you can tell the creditor that you're going to file for bankruptcy, but they probably won't stop their collection efforts until you are actually filed.
Remember that you'll need to pay back at least some of your debts if you're filing under Chapter 13. If you haven't done so already, you should contact an experienced Maryland bankruptcy attorney to guide you through this process.
Exception from discharge and relief from the stay are two separate issues. You should file a separate motion to get relief from the stay. You should probably talk to a Maryland bankruptcy lawyer about doing this for you, particularly if the debtor has one.
If you're filing for Chapter 7 and that SSI is your only income, the bankruptcy court should allow you to file in forma pauperis. But the court will also look at your real estate, your vehicle, and your personal property in making this decision. Complete the form here and submit it when you file your petition: http://www.wiwb.uscourts.gov/fillable_forms/FeeWaiver_B3B.pdf
As Timothy said, this will probably work, but you'll need a good Maryland bankruptcy attorney to represent you in it. Depending on when you filed your Chapter 7 petition, you may or may not be eligible for a discharge. You're probably eligible to file Chapter 13, to stop the foreclosure, and to repay your mortgage arrears through a Chapter 13 plan.