There is a law called the FDCPA or Fair Debt Collection Practice Act which restricts telephone calls regarding debts BUT the Act does not apply to...

Go to the conference and tell the Court what you just stated here. As a pro se (on our own) litigant (defendant) the court should give you a bit...

In chapter 13 to ask court for discovery of mortgage note & note endorsements from home mortgage lender what is required-motion?

In ALL respect, you are on the right track but are way in over your head in this department. But, that said, you will need to make a formal...

New York State Exempt Income Protection Act. .

Wow, you have hit a bankruptcy planning home run. All of the money is protected at least in bankruptcy. I really could not tell you about what is...

What if i need to reschedule my 341 creditor meeting

The trustee is probably Jeffrey Sapir. Call his office. He will most likely not reschedule it but will instead hold it and then give you a new date...

You may change your name at any time. You do not need to worry about the outstanding debt. You will still owe the debt no matter what name you go...

Will 1099C received after short sale prior to bankruptcy will be included as income in Chapter 7 means test calculations?

I really doubt that a 1099c for a short sale before filing bankruptcy will constitute as income under the means test. However, if you are filing...

My sister will discharge a second mortgage in Chapter 7 bankruptcy and I am a borrower on that mortgage.

If I understand the question, there are 2 mortgages on your home, you modified the first mortgage on your home but your sister who was also on the...

I have a predator home loan with indymac interest only also a 2nd and 3rd loan on house and house is underwater by about 175k?

It is hard to tell if bankruptcy is the right or wrong solution without sitting down and going over all of your finances. I make it a practice...

Chap 7-NYS-Reaffirmation confusion-do I reaffirm car loan if the creditor sent me the affirm. agreement to sign after I filed?

Congress changed the law in 2005 to allow lenders to repossess cars if the loans are not reaffirmed. In the 1,000 or so cases that I have filed...