I would not recommend your course of action. Any type of repayment of a family member within a year prior to filing is going to come under scrutiny and possible reversed. The way the transaction is reversed is by the trustee suing your family member, which makes family reunions very difficult. You need to consult with any attorney prior to taking any action.
I understand your reluctance to file bankruptcy, however, as I often tell my clients, it is difficult to evaluate how much is "enough" to file bankruptcy on. For some clients, they may owe $200,000 in credit card and could likely pay it off over time, other clients who owe $10,000 might as well owe $10 million because they don't have sufficient income to pay any amount back. You should consult with a bankruptcy attorney and look into a Chapter 7 filing. It would be a bad situation for you to...
I am of the opinion that you should always at least have a consultation with an attorney to discuss your specific situation. It appears that the Anti-Deficiency statute would cover your property, but you should have someone review the documents.
The creditor will not be able to garnish your SSD. However, they may be able to garnish your private disabilty policy. A bankruptcy may be a good option if the debt is significant as you will be able to discharge it through the bankruptcy case.
If you are represented by an attorney you need to contact them to help you with any modifications. If not, I would highly recommend contact an attorney . Successfully navigating a Chapter 13 on your is very difficult and often unsuccessful.
Yes, you can discharge the judgment as well as any attorney's fees, interest, costs, etc. in a Chapter 7 bankruptcy. I would recommend contacting an attorney to make sure a Chapter 7 is the appropriate case for your situation.
In Arizona there is an anti-deficiency statute. This statute states that if you own a home that is on less than 2.5 acres, then if the property forecloses, that the bank cannot sue you for the rest.
However, the catch to this is that the loans you took out must have been used to purchase the home. If, like in your situation, the loan was not "purchase money" or was cash taken out to pay bills or buy somethine else, then if your property forecloses they can sue you for the balance of what...
You cannot have more than 25% of your wages garnished. Essentially, your creditors will have to wait their turn, however the child support will get priority over a credit card type debt. You ought to consult with an attorney about a Chapter 13 bankruptcy. In a chapter 13 bankruptcy you will be able to eliminate most of your credit card debt and set up a payment plan for any missed child support payments.