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Kelly Hope Zinser's Guides
Contributor Level 13
- 25 Legal Answers
- 9 Legal Guides
What Debts are Included in a Bankruptcy?
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...
Credit Reports after Bankruptcy Discharge
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.
California Expands Mortgage Deficiency Protections in Short Sales
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...
Reaffirmation Guide Part III - You’ve Decided to Sign the Reaffirmation Agreement, What’s Next?
This legal guide discusses the procedures related to reaffirmation agreements once you have decided to reaffirm a debt.
Reaffirmation Guide Part II – Deciding Whether to Reaffirm Your Vehicle Loan in Bankruptcy
This legal guide explores the decision to reaffirm a vehicle loan and the types of questions you should consider during this process.
Reaffirmation Guide Part I - Reaffirmation and its Alternatives
This legal guide explains what it means to reaffirm a debt and the other alternatives available for secured debts.