How can I lower my payments to something I can ACTUALLY afford?

I agree with the above attorney's answer. I will also add to help maybe put it in perspective that private and federally backed loans work...

Can a judgment issued against a person who is already dead and its a unsured debt?

Yes. If there is an estate or the deceased has any assets, they will try to collect even after death.

I have 2 pending consumer lawsuits and 5 other accounts in chargeoff status. Should I file for bankruptcy?

You may be able to file for bankruptcy but depending on your discretionary income it may also make sense to try to settle for less and avoid...

What help can I get with a messy foreclosure concern with my bank sake date has been posted for March 19th is bankruptcy the be

It depends. There are a lot of moving parts to a foreclosure case. The best option may be to try for a loan modification, it may be to try to...

Can I get out of a debt consolidation program? Can I file for bankruptcy while in a debt consolidation program?

This answer isn't yes, it's maybe. There are several debt relief options including debt consolidation, debt management (aka credit counseling),...

As the above attorneys mentioned, the proper timeframe is 6 years. As to going to court on your own, if you know what you're doing, then go for it...

You should be able to negotiate a settlement for less, and an attorney can help you if you're not sure how to. As for the amount you'll have to...

What is my best option and how should I proceed?

Yes you should be able to settle the matter. The amount you'll pay depends on who the law firm is that is handling the case. Some attorneys want...

Hi I am in process of buying a house that went through judicial foreclosure and auction I ordered title report details below.

It sounds like you haven't closed on the purchase yet. If that is the case and the title company is telling you that there are issues with the...

How do I get a lien release that I payed off three years before the bank collapsed ?

If the mortgage that you paid off was still an open lien at the county clerk when you sold your house, the title company that represented your...