To answer your second and much easier question first, reaffirmation should have no impact on your ability to obtain a home equity loan. As to your...

My husband just passed away, he had two or three credit cards in his name only. Am I responsible for those balances?

You are not responsible for your husbands debts. However, his assets are supposed to be used to pay his debts before you get anything. Another...

Is surrendering a property the same as letting it foreclose? Will they be able to seek any deficiency?

Everything is proceeding as it should. Surrender does not convey title. The bank needs to get relief and then foreclose to get title.You may wish...

If i stop paying on my 2nd mortgage but stay current on my first can the 2nd foreclose on me???

They can forclose. The issue is not legal but how to deal with the stress of a large inefficent organization. I know many people who got great loan...

I have been being jerked around for 7 months by by 2nd mortgage trying to get a modification to lower my rate.

Welcome to loan modification. Your experience is why people who have the money will pay someone else to deal with the loan modification process. It...

If you file for bankrupcy and neglect to list a old 401K account as an asset is that bankrupcy fraud is there a penalty?

It is extremely likely that the 401(k) would have been protected if it was listed. Consequently, I would notify your attorney and let him make the...

I charged on a friend's cc but now i am in desperate measures and can not afford all these bills. can i file bankruptcy?

As explained, it is your friend who has the problem. Assuming you want to help your friend, I suggest you and your friend with an attorney who...

Can i file bankruptcy and include a credit card not in my name?

I assume you used a card of a family member. You can list the family member and also the credit company as creditors and discharge any liability...

If my Ma. home is foreclosed upon, can the Mortgage company come after me in any other way, or go after property I own in NH?

You have cause for great concern. While it may be possible they will never sue you, they may.You should talk to an insolvency attorney to help make...

I would like to know the validity in filing a UCC 1, then pursuing the control of my TDA or "strawman account".

I read your question and waited several hours to respond to see anyone answered because I did not know how having money in a treasury account had...