The "means test" is a "snapshot" of your circumstances for the six months prior to the date you filed the case. Getting a job AFTER the day you...

Can I sell my house while in Chapter 13 bankruptcy?

In bankruptcy, "surrender" generally just means "make the property available"; as you are learning, it doesn't automatically take the property out...

We are behind in our mortgage almost 60k. Is it possible to go through a chapter 13 with that much debt? That is only the house.

Technically, it is, in fact, possible to have too much debt to use chapter 13 of the bankruptcy code. It is not the amount you are behind that...

Our HELOC was sold to Real Time Resolutions...can they collect or force foreclosure?

A HELOC is a mortgage just like the 1st. The discharge eliminates your legal obligation to pay the debt, but it does not eliminate the bank's...

Bankruptcy and Foreclosure? I canceled my reaffirmation agreement with the bank within my 60 day time frame with the bank.

The question of HOA dues after bankruptcy is a still developing area of the law. If you stated an intention to surrender the property to the...

What rights do we have, after a 2005 Chapter 7 bankruptcy discharge, with secured collateral and no reaffirmation agreement?

It is unclear from your answer whether you and the bank agreed to a reaffirmation; it is not automatic, and the bank is not required to agree to...

Settlement of discharged mortgage to release lean

Let me clarify this for you. A chapter 7 discharge eliminates your obligation to pay the money, but it does NOT eliminate the creditor's right to...

Does a mortgage company or bank have any legal rights to your property after an Chapter 7 bakkrupcy has been discharged ?

As a general rule, creditors are not REQUIRED to accept a reaffirmation because if they have a lien (like a car loan or a mortgage) they can...

When would you recommend to file for chapter 7 bank ruptcy before or after a dificiency judgement

As a general rule, it doesn't make any difference; so long as the circumstances giving rise to the debt occurred before you file the bankruptcy...

How to file bankruptcy.

It is generally a bad idea to file a bankruptcy case without a lawyer because it is an intricate area of the law. A mistake can be VERY costly and...