My chapt.7 has been discharged, the bank is dragging their feet on foreclosure and want me to pay for homeowners insurance

The bank will obtain forced-placed insurance in the event your insurances lapses. However, forced-placed insurance protects the bank from property...

Does the mortgage note differ from the deed of the house?

When a mortgage holder commencing a foreclosure action, it must name all parties that may have an interest in the subject real property. It is...

I am in a contract with a debt consolidation program but wish to do bankruptcy instead, can that be possible?

Generally, a debt relief agency will require a contract to be signed in which one promises to make periodic payments to the agency. The agreement...

A 2004 exam is limited to the financial affairs of the debtor and generally only sought if the creditor believes the information gained is worth...

Once you file for bankruptcy, creditors will report to the credit reporting agencies that the debt was included in bankruptcy and stop reporting it...

Can a debt collector enter my home & "levy goods/furnishings" to sell if a judgement was entered against me for credit card debt

Unfortunately a judgment creditor may obtain a writ of execution permitting the sale pf personal property to satisfy the debt. You may wish to...

I live in NJ a creditor levied my account and left me with 0. It was a joint account, but arent my spouses wages exempt?

It sounds like the problem is more than just a levied account. I recommend speaking to a bankruptcy attorney. The easiest way to get the levied...

What if I am not interested in Bankruptcy?

The hardest part of bankruptcy is often taking that first step to speak to an experience bankruptcy attorney. Bankruptcy is not the end of one's...

Can you complete bankruptcy without an attorney ?

Individual debtors may represent themselves, even if it is a bad idea. No knowing what you don't know can have dangerous consequences.

How do I return my car after I chose to give it up in a chapter 7 filed with out a attorney as it is a no asset case.

Contacting the creditor and making arrangements to turn the vehicle in voluntarily will save you from walking home from work some day after the...