From the experience of my own clients, they are typically able to get a mortgage or refiance as soon as their chapter 13 sucessfully dicharges. ...

I agree with the earlier answer, the personal liability on the note was likely discharged if you are sure you did not sign a reaffirmation...

It is a little unclear whether you mean you made all trial payments, or believe you actually paid all past due amounts required to reinstate your...

We have paid 3 years of 5 in CH 13. One car will need major repairs soon. We've been turned down for all financing. What now?

If you want to finance a vehicle it will require court approval. This is sometimes accomplished directly through the chapter 13 trustee office and...

How would I dispute a wage garnishment when i have no idea what or where it came from?

Contact the Onondaga County Sheriff's Department, (civil division) who issues the writ of garnishments in New York, they should have all the...

Do I need an appeal attorney

It sounds like you may be mixing a claim of exemption with issues of disposable income, and you may possibly be looking at dismissal of your...

Chapter 7 and Lien Perfection-New York State

NY is a lien title state. Meaning you will receive the title to the vehicle before you own it, and the secured parties name will appear as the...

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You are required to disclose all creditors when you file for bankruptcy, so yes you can, and are required to include the payday loans. Sometimes...

Does a mortgage forbearance reaffirm the debt?

If the debt was not reaffirmed prior to the discharge of your bankruptcy then the loan cannot be later "reaffirmed" because a forbearance is...

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I filed Chapter 7 bankruptcy in Indiana and it was discharged late 2011, My ex mother in law now claims I owe her money from 06

There are case decisions which hold that general unsecured non-priority debts are discharged in chapter 7, regardless of whether they were formally...