How do I get my bank account unfrozen now that I have filed chapter 7?

You don't need to file a motion. Just show a copy of proof of filing to the creditor's attorney and the sheriff or marshal and they will release...

Will CC co's agree to extended no/low interest payback plans, longer than 5 years? If so, would this impact future BK filing?

I would recommend filing for bankruptcy sooner, rather than later. Even if the credit cards would agree, you're not doing yourself or your credit...

Can a "Business" credit card (for a defunct S Corporation) be included in personal bankruptcy ? Or is this a separate process ?

It should be included in the personal bankruptcy because it is personally guaranteed by you. If the corporation is defunct, no worries, the whole...

Before I file for Bankruptcy, should I call each creditor and see if they will accept 0%, reduced and deferred payments?

No, it will not, but beware that the amount that you don't pay (principal forgiveness) is taxable as income. I would recommend starting with a...

Do I have to disclose personal injury money from 2yrs ago. I want to file bankruptcy

Yes, you have to disclose it. In a bankruptcy, you need to disclose all of your assets and all of your liabilities. If you still have the money, it...

Is mortgage company required to send out statements for our loan?

No, they are not.

If rent check was mailed on July 26th for rent due on the first. It was lost and not received. Can landlord charge late fees?

The lease agreement governs.

A debt collecting attorney called me and said I was being investigated for fraud. Is this legal?

Collect as much information as you can and consult with an attorney who concentrates in Consumer protection.

I agree with Mr. Braverman. It can be done in NJ, but only in a Chapter 13 and a motion is the minimum required (and usually the way it's done).

Collecting a civil judgment??

Hire a collections attorney who works in the state that you are trying to collect in.