Question about payday loan?

A creditor can try to sue you in court. You may have some defenses if the interest rate is over the NJ limit. However, this would require an...

Can i convert a chapter 7 that hasn't been discharged to a chapter 13?

If you are in a Chapter 7, there would be no foreclosure sale at this time unless the lender obtained relief from the bankruptcy stay. Did this...

No one can garnish your wages unless they obtain a judgment in court against you first. After that judgment is entered, your wages can be...

I am filing bankruptcy and I have 5 lawsuits against people who owe me money, what happens if I win money from them?

You don't state whether you are filing a Chapter 7 or 13. This makes somewhat of a difference. In either case you MUST disclose all these claims...

The mortgage lender does not have to file a proof of claim in your Chapter 7. If it doesn't file a Proof of Claim in a Chapter 13 (this would be...

Your pre-filing credit counseling certificate expires after 6 months. You must always file an unexpired certificate with your new petition. Your...

A negative budget means that you have no funds to pay to the Chapter 13 Trustee which is mandatory in a Chapter 13 case. A high card balance is no...

Can a collector sue for way more than you spent on the card?

The additional money owed is likely for interest that has been accruing on the credit card and collection fees. When you got the card, you agreed...

If your post-petition payments satisfy the mortgage is full, then this is correct. In most cases, your post-petition payments plus your trustee...

Can I file a chapter 13 after receiving a chapter 7 discharge for my house?

Yes, you can definitely file for chapter 13 once you receive your Chapter 7 discharge. You will not be eligible for another discharge but you can...