Kelly Hope Zinser’s Guides

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All of your debts were included in the bankruptcy, but some of them are treated a little different than the others. The bankruptcy removed any personal liability you had for the mortgage accounts. The lender still has a lien against the property, but their only option if you fall...

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Debts that continue to be reported incorrectly or are listed as due after discharge can harm your fresh start. This guide discusses how to verify that the discharge is correctly reflected in your credit reports and how to challenge inaccurate information.

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Last year, California passed a law that prohibits first mortgage holders from pursuing individual homeowners for a deficiency after a short sale. However, this meant that second and third mortgage holders were still free to sue the homeowner for the balance due even if they cons...

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This legal guide discusses the procedures related to reaffirmation agreements once you have decided to reaffirm a debt.

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This legal guide explores the decision to reaffirm a vehicle loan and the types of questions you should consider during this process.

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This legal guide explains what it means to reaffirm a debt and the other alternatives available for secured debts.

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