It sounds like you have put an impressive amount of work into this. However, in my experience, debtors often miss expenses that an experienced...

My Pennsylvania colleague is correct that most judgments no longer appear on credit reports and, if they do, should fall off after seven years. I...

Student loans may be dischargeable, if you can show undue hardship, which is a high standard. That said, the Department of Education has issued new...

Given your court date, it is a little late. However, you may try asking the judge for a continuance so you can retain an attorney. Even if a...

Once a creditor has a judgment, it can collect statutory interest of 6% and, in some cases, attorney's fees and collection costs. Paying just the...

We usually use the federal bankruptcy exemptions in Pennsylvania because the PA exemptions are so measly. The federal exemption for vehicles is...

If you voluntarily turn the vehicle over to the lender, they will sell it at auction and bill you for any deficiency. However, you have some...

Generally, no. Most correct negative information regarding the underlying debt can still be listed for seven years, even if a creditor dismisses a...

The national credit reporting agencies no longer report most judgments. (Reported judgments can appear on your credit report for up to seven...

Generally, if you know that you are going to be filing for bankruptcy, there is no reason to continue paying most creditors. However, it is not a...