Do I need a spousal waiver? I haven't heard from my husband in 7 years, not even child support services can find him

What do you do? You ask your lawyer. Do not try to do bankruptcy as a do-it-yourself project, especially with issues about exemptions looming in...

In a CH. 7, do we include income from an LLC?

The LLC is a separate legal person. Your equity interest in the LLC is an asset you list on Sch B. You disclose the details about the LLC in the...

Ch.13 and dealing with a dangerous marriage (husband won't stop spending and is unfaithful)-bk plan is only 2 years old

You can't stay with him. Find a new bankruptcy lawyer because your old one has a conflict of interest at this point. Hire a divorce lawyer. Use...

You should go directly to a bankruptcy attorney. The charge-off doesn't change anything for you, only for the creditor for tax write-offs. A...

Is an IRS agent permitted to tell anyone what you owe?

That sounds very unprofessional. You can certainly complain to the agent's supervisor. But it won't affect the amount you owe the IRS.

Car repo legitimate?

Your question makes no sense. A "repossession" occurs when secured lender exercises its right to take back collateral following non-payment. If you...

I filed Chapter 13 in the US and I am US citizen. Will the bankruptcy prevent me from getting a work visa in another country?

So why not apply for the visa and see what happens? The worst that can happen is that you won't get the job, but you don't have it now and...

IRS Issued Intent to Levy in violation of Chapter 7 Automatic Stay

(a) Call from a land line or (b) charge your cell phone before calling again. But, (c) hire a lawyer. Don't start the conversation the same way...

Want to change chapter 13 to a chapter 7 BUT....

Then you have a dilemma for which you need the personalized legal advice of your own attorney. As my colleague says, 523(a)(15) debt can be...

How do someone start the process of filing for Bank Ruptcy.

Congratulations on asking the smartest question you could possibly have asked on this forum, and I'm not kidding. Your first step should be to...