When we past the means test for chapter 7?

That question should be asked of your attorney because there are many variables. He or she will advise you as to which bills you should stop paying...

In the state of New Jersey does a Creditors Attorney have to send a 30 day demand letter prior to filing suit on a retail debt?

There is no requirement and your mother should not be liable. But your daughter is because she co-signed.

I live in NJ.....been divorced since 2009....owned a home with my ex wife and had 1 child.....agreed to give her the house?

The mortgage company will not voluntarily take you off the mortgage. If your ex wife does not refinance the mortgage the only way off is if you...

Will I get in trouble if my landlord made up two different leases and I have section 8?

You need a lawyer who specializes in landlord-tenant. Just google it for your county. Bankruptcy does not appear to be useful to you. Good luck.

My Ex wife file for chapter 7 and I'm owing her some money, can bankruptcy trustee come after me for the money i own her?

Theoretically, yes. It may depend on how much and why you owe her money. If she already filed you will find out shortly and when you have more...

So does that release me from the foreclosure ?

You need to determine what happened with the foreclosure. Call the attorneys for the mortgage company and ask them. When you have that answer we...

When are you released from foreclosure when the property is sold?

If there was a release you need to check to see it the property went to sheriff sale and the deed was transferred. If yes, you will eventually be...

What is my responsibility to home that i no longer own?

It's not clear to me if whether you still own the house. You can check with the sheriff's department to see. If you don't own the house and your...

Transferring title would be a mistake. You have obviously done your homework. Bankruptcy is more than likely your best bet at this time. I know...

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Since we filed Chapter 7 bankruptcy and did not have our second mortgage discharged, can bank foreclose when no statements sent?

The bank employee gave you some very misleading advice. The 2nd mortgage is still a valid lien on the home and the mortgage company has the right...