You do not state whether or not you have taken him to family court for paternity testing and a child support and/ or a visitation order. If you have you might want to petition for supervised visitation based on the two heroin overdoses. You can also bring up the overdoses at family court and ask for him to be drug tested regularly.
See if they have a legal services or volunteer lawyers around you to help with this. You can really mess yourself up trying to do this by yourself trying to get it for free. Bankruptcy is not something to file without knowledge of that law.
I have been told not to have more than three store cards and never have more than 1/2 the balance charged to have the best effect on your credit. I'd keep charging and keep paying them in full personally.
Suggested answers would be file a claim for dues due prepetition. File a Motion for Relief from Stay if the case is already confirmed to get court approval to being the foreclosure process. If the case is not confirmed file an objection to confirmation and/or motion to dismiss on the grounds that that debt is not provided for. If you are the homeowner association hire an attorney experienced in bankruptcy law. If you are the debtor amend your plan as all debts are supposed to be included.
If you are paying 100% of your debt back your medical creditors may well agree to allow you to add their bills into your current chapter 13. It might increase the payment. Go talk to your attorney and take the bills with you. The other comments made may well have to be a path for you to take as well, like dismissing and refiling or converting to a chapter 7 if the bills are just to hard or if you are in less than a 100% repayment plan.
If she never works or has any assets there is nothing there for the IRS to garnish or levy. He could well have to pay it all. What do the divorce papers say about the tax debt and about claiming the children? Also if it is a lot of tax debt he could try a Chapter 13 / possibly a Chapter 7 bankruptcy or an Offer in Compromise. He could possibly take her back to court for contempt and get a bargaining chip to get her to agree to his
claiming the children if she was supposed to pay 1/2 the...
My first question to you is and I always take pause with this one is your attempt to blame your attorney. Didn't you read and sign your bankruptcy paperwork? Depending on how long it has been possibly you can reopen or add the creditor also if the case isn't closed. There is a difference in the timing of a discharge and the actual administrative bankruptcy closing.
Next it might be a jurisdiction specific question as your judge and the value of your assets may well determine whether or...
I am assuming that you are in the loan mod because you are behind in your house payments? I would recommend a consult with a bankruptcy attorney as your issues are probably more than what you realize and have some consequences that need explained depending on how you proceed. There could be some issues a creditor in bankruptcy could raise about good faith in that you just purchased the vehicle yet you want to file bankruptcy right now. These issues need discussed in advance of filing a...
Yes anybody can sue you for anything. Get a lawyer to help you if they sue you. Get all your documents together to let an attorney review them. Perhaps paying a lawyer to write them a letter will take care of the problem. Also perhaps the calls are not legitimate.