65 year old widow has 25,000 in unsecured debt. Should I seek debt settlement company or file chapter 13.

Absolutely see a bankruptcy attorney before talking to any debt settlement company. The ones who advertise on TV must get the money from SOMEWHERE...

When you get your disposable income amount out of the means test, does that include the car payment in the total amt?

The way Lines 28 and 47 play together, you get to deduct the larger of the local standards ownership allowance or the 60-month average of your...

Chapter 7 in central dist of CA. Have my kids 1/2 time & pay child support too. I am just barely over on means test. Household?

You really need to retain an attorney if you are so close to the median income that household size matters. There is case law on how to deal with...

I have a garnishment in February 2012. Can I file for Bankruptcy to get out of it.

You can FILE anytime, and the automatic stay will kick in to halt the garnishment. Whether you can get a discharge in your new case is problematic...

Bankruptcy question

Your attorney probably needs you to update the information you provided earlier. He can't file a case for you until you review and sign your...

Bankruptcy DISMISSED for failure to appear and "fraud". Can I re-file?

You need to read the order of dismissal carefully. Under 109(g), you may be barred for 180 days. Regardless of whether you CAN file, you will also...

Judgment for a co-signer on a private student loan

I agree with Attorney Chen -- you need to talk to a local lawyer who has experience in student loan law. One place to find such an attorney is at...

If the auction sale is final under state law, it would be too late to cure the default in Chapter 13. It would not be too late to file under any...

Is reaffrimation for mortgage/note necessary when filing chapter7?

As a matter of general bankruptcy law, having nothing to do with local practice, a debt that doesn't fall into one of the non-dischargeable...

Bringing MFR - My mortgage company has a discrepancy in the CH 13 PP payments I made. They overlooked the Confirmed Plan

This is something your attorney should address. Unfortunately, your diagnosis is not relevant to the situation.