What is my best option?

I find that my chapter 7 clients' credit scores rise within one (1 ) year of the bankruptcy discharge. This is because absent fraud, chapter 7...

What can I do? Can they freeze my bank account? How can I protect my money?

Educational loans (student loans) are not dischargeable in bankruptcy. However, tuition bills (if they don't' have characteristics of a loan (such...

Your instincts are correct; unfinished works and other works are included in intellectual property and should be listed in the Schedules. (The...

What will be my legal obligations (for his debt) as his wife? Can I be sued to pay these bills upon his death?

You indicated that you are his wife, but then you have indicated that he is your fiance'. As long as you are not legally married and you did not...

Can someone help me with debt settlement? Or give me advice on my best way out of debt without losing anything

If your debts are in excess of $10,000 and do not have the funds to settle (and I only recommend settling through an experienced debt lawyer), I...

Can I get a partial discharge from the same creditor?

You would list all of your debts in the petition and if you would like to keep your car, generally you can do so as long as you continue to make...

I'm currently enrolled in a debt settlement program but I'm now considering filing for Chapter 7 bankruptcy...is this a problem?

Many people, just like you, file for bankruptcy after discovering that they are unable to make debt settlement payments. So, your instincts were...

Check and wage garnishments

I would recommend that you order a credit report to ensure that you don't have any judgments. A creditor can only garnish a person's wages...

How is a spouse protected when the other is being sued?

You are generally not liable for your husband's debts (with few exceptions such as taxes if you file a joint return). But, if you have a joint bank...

I cosigned 3 months ago for his loan on a car. I'm concerned if my ex doesn't pay for the car.What happens to my credit?

Unfortunately, as a co-signor you are obligated on the note. You'll be liable for damages to the lender if the lender repossesses the car and after...