Once we are out of Chapter 13 protection, what actions can our HELOC bank take against us?

Short answer: You definitely need to consult with an experienced attorney regarding this matter. Just by the nature of the questions about which...

What can I do... please help me

This is definitely a problem, but not one that cannot be solved. Consult with an attorney in order to form your own limited liability company -...

What can I possibly do in this situation?

The situation is far from hopeless. With respect to the bank records, depository institutions generally keep records going seven [7] years back....

Can I deduct apartment rent as a job search expense for income tax purposes if I'm getting that apartment for my job search and

There are a lot of factors to consider here. This deduction may need some prior, proper planning. You're going to want to consult with a CPA or tax...

She certainly can, though it isn't clear why she wouldn't file jointly. Perhaps she ought to consult with a tax attorney or CPA regarding the...

can I file my tax return even when my visa has cancelled and I out of US?

Of course, you can your tax returns... As to whether or not you'll receive the refund you're entitled to - this is a different story (depending...

How do I access my funds? And, shouldn't the trustee be held accountable for ignoring my 2 timely claims to the surplus funds?

You're going to want to hire an attorney to represent you in this matter. I'd recommend speaking with a California-licensed real estate attorney...

Can my sister do anything about this? At least take the debt and out it under him?

Unfortunately, your sister voluntarily chose to give this individual a credit card. This is what's called an "authorized user" arrangement, whereby...

Can I get a divorce or separation without losing the house which is in my name only and I have made all the payments on?

I'm very sorry to hear about your husband's illness. With regards to your question, there is no reason that you should lose your house to...

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Can the mortgage company (HFC Beneficial/HSBC) garnish our pay or retirement savings? We have no other assests.

I'm very sorry to hear about your financial situation. The good news that that your retirement income is protected from garnishment by both State...