×What chapter of bankruptcy should i file?

Chapter 7 permits the debtor to get rid of all of their unsecured debt without having to make payments to that debt. It is not a good choice for...

Is it wise for me to file for bankruptcy?

Your bankruptcy will not release the co-signor. Whether or not you should struggle to pay the debts and keep the business afloat or file...

Can she get the debt from us since she stated she was taking care of it and already paid it?

If she does not pay it your husband the co-debtor remains liable. If she changes her mind and goes to civil court you would have to assert your...

Can I be held liable for my wife's credit cards? Will a judgement creditor force a sale of our home for her credit card debt?

First, there is an 8 year waiting period between filing 7's and qualifying for a discharge, so you could file again in 2014. Second the equity in...

The notice of appearance just means someone is appearing in the case. I doubt the case was closed by the Trustee. If the Trustee let you know...

Can credit companies force the sale of a jointly owned home in NJ to satisfy outstanding debt?

In this instance no. Your wife may be on the Deed but as she has passed she no longer owns the property. When property is owned jointly total...

Do you think I have a case against them for violating laws under FCRA Thank you

Did they get a judgment against you for the default and deficiency? Normally negative information stays on your credit report for 7 years. ...

Private student loan taken out from a trade school which has no accreditation through anyone or the government. Is it possible,

You can file bankruptcy on any student loan...the question is will it be discharged. You should contact the CFPB (Google it) and review their list...

What is the threshold amount for a tax lien in NY State?

I am unaware of any threshold for these liens. There may be a policy not to seek them but there is no legal bar. The lien creates a secured...

Can I pay off one credit card in full in order to keep them in good standing while writing off my other 2 cards in chapter 13...

Paid or not the card will be cancelled and one is not allowed to have cards in their name during the bankruptcy. It is also considered a...