You would be wise to get these answers before you file bankruptcy, because if you have already filed, with the facts in your inquiry, there may be some complications.
For example, bankruptcy will require a declaration as of the time of filing, of who owns the vehicle, what is owed to whom, and the present value, compared to the exemption available for the vehicle.
You can review exemptions at the following source;
Since the allowed exemption appears...
Yes, filing bankruptcy will list all your debts that exist on the date you file, so any remaining debt from a 2010 foreclosure would be listed.
You should confer with an experienced bankruptcy attorney to review your financial situation, and to prepare for filing.
From the facts of your inquiry, the bank that holds the mortgage can start foreclosure when ever it wants to, but will have to take over security, care and maintenance of the home, which is presumably what you are doing for them.
You are not likely to owe the bank for mortgage payments, but you would have move if the bank forecloses or sells the note to another for foreclosure.
This is an all too common occurrence in today's real estate market, and appears to benefit you because payments...
It may be possible, but not advisable, to do your own chapter filing, although it is unlikely you will want to file chapter 11, because this is a very specific bankruptcy not generally suitable or used for personal bankruptcy.
Most pro se chapter filings are not successful, after all, who likely has a better chance of performing a major medical procedure, a doctor, or a patient?
Perhaps you can seek assistance from a legal clinic, a law school, or other charitable organization, or a...
There is no particular limit to addresses, although the creditor often designates an address to be used for bankruptcy purposes, or to dispute debt with them.
The purpose of the address is to give proper notice, so the most current for the creditor, are often used.
Whether or not to file bankruptcy, depends on reviewing all the financial factors you have, as well as what is in your best interest, which can not be determined unless you review this, in detail with an experienced bankruptcy attorney.
You would benefit from conferring with an experienced bankruptcy attorney.
Creditors who ask an unlimited question of if a person has ever filed bankruptcy, do so at the risk of unfairly discriminating against persons who apply for credit, because the...
Perhaps you should get a second opinion, or ask for further clarification, because if you can make your current house payments, a chapter filing will usually not force you to walk away from your home.
There may some other conditions involved in your financial situation, that need to be understood better.
Unless you signed agreements to be responsible for the debt, which is unlikely because your inquiry stated it was before your marriage, then you are not liable.
The collection agency can be asked to verify the debt, to prove you are the responsible party, which your inquiry states facts showing you are not responsible.
If the debt is not paid by your husband, it may have interest added and collection costs added over time, if that is in the agreement, which most agreements allow for.
You should discuss your options with your bankruptcy attorney, especially since forgiveness of mortgage debt will likely affect the plan payments being sent to the lender.
A plan modification may be in order with a change in your budget, or even conversion to chapter 7 depending on a myriad of factors, including mostly, what you would like to do with this fortunate development.
Your tenants who have file chapter 7, will need to pay rent, if they want to stay as your tenants.
You certainly can inquire as to their intentions, and, you can find out on your own, by reviewing their filed schedule G, to see if they reported whether or not they intend to retain the lease with you.
It is likely they want to stay, because they now can better afford to pay the rent, without other creditors bothering them.