What is the process in MA state for getting a lien taken off our property

You cannot take off a lien unless you satisfy it or it gets discharged by the lienholder. Try to sell the home first. Don't get greedy and list...

Should I file bankruptcy, negotiate my interest rate down or stop paying the debt?

Note that I am not licensed to practice in your state. Your expenses are $3617/month and your income is $3700/month. If you pay the minimum on...

Is it possible to negotiate with credit card companies for a more favorable interest rate

Note that I am not licensed to practice in your state. You can definately try to negotiate with the credit card companies. It never hurts to...

Note that I am not licensed to practice in your state. If the first credit card company has a judgment against you already and threatened to...

Claim Bankruptcy for Debt... Short Sell current condo since I have already found a rental.

Note that I am not licensed to practice in your state. If this is what you're considering, then you should RENT the new place before the...

Is there any way to stop the credit card companies from lowering my available credit it is negatively affecting my credit score

Unfortunately there is nothing you can do. You can try to call them and ask them to raise the limit but I doubt that will work. The situation is...

I filed chapter 7 in 1994, and its still showing up on my credit reports how do I get this off my records?

Call and/or write to each of the 3 credit bureaus and ask them to take it off.

Does debt consolidation work

Note that I am not licensed to practice in your state. Contact CCCS (Consumer Credit Counseling Services). Most services out there are horrible...

If I file bankruptcy are the funds I have in a 401K plan available to creditors?

Note that I am not licensed to practice in your state. Retirement accounts are safe from any bankruptcy claims.

Credit cards, how to communicate with the bank.

Note that I am not licensed to practice in your state. Unfortunately closing down the cards don't solve your problems and in fact, lowered your...