I filed Ch 7 bankruptcy just about 2 years ago, I have been paying my car note but never signed a reaffirmation.

It's great that you didn't sign that reaffirmation. You no longer have personal liability on this loan. The loan probably reads as "discharged in...

Can I get a lower monthly payment for my car note if I declare a chapter 13. If not then what are my choices?

If you have had the car loan for a long enough period of time, you may be able to "cram down" the loan in a Chapter 13. A reduced payment in a...

During a foreclosure process on recently vacated property, who has the liability on the property?

The owner of record is generally responsible for any sort of damages to another person, fines resulting from violations, etc. You may check to see...

I live in New York, what can we expect if our house was not auctioned on the scheduled day and time?

Make sure that you had the correct day and time. Also, you may want to contact the bank's attorney to confirm whether the sale took place.

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You should be listed as a creditor as you are owed money. You should file a proof of claim right away. A domestic support obligation, like child...

Name the options of getting out of 30K in credit card debt

You may not be able to use some of these options, but here they are: Pay all of your debts off in full Make minimum monthly payments for each...

Defendant of an ongoing litigation filed bankruptcy and was discharged. He commited new fraud later. Can I sue him for fraud?

You may call this individual as a witness with respect to your remaining defendants. However, you may not attempt to collect any debts incurred...

If I get married, will my wife to be, be responsible as much as me for an outstanding debt?

Your wife will not be responsible for your debts unless she was a co-signor. Of course, a creditor with a judgment against you could pursue any...

Should I file for bankruptcy? (Chapter 7?)

It is hard to say whether you should file for bankruptcy. However, it seems like you might be able to erase your debt obligations with a Chapter 7...

First. Of all thank you for giving me your time. What could happen? Call my lawyer? Can he even do anything?

As far as the trade of vehicles, the transaction appears to be complete. If there is any dispute, either party may bring a small claims suit...