When mortg arrears is put into the ch13 payment, how do sufficient taxes and insurance get paid (our mortg is escrowed) on time?

You can propose up to a five year repayment plan in chapter 13 so your mortgage arrears will be spread out over a five year term. You will need to...

Received a form 309A Chapter 7 bankruptcy case. The debtor owes me $10,000 in past due rental payment. What should I do now?

I am not sure why you would let a tenant get that far behind in their rent. You should consult with a local bankruptcy attorney that also knows...

First of all, a mortgage is not valid if it is not signed by all owners of the property. Is it possible that your spouse is on the mortgage but...

If Alliance is attempting to collect on a debt which is not collectable because the statute of limitations has expired or you have already paid the...

Determining disposable income in a Chapter 13 BK?

Disposal income is determined by going through a "Means Test" in Chapter 13. It is very difficult to figure it out for yourself without bankruptcy...

What do I do about a collection agency that keeps calling?

You should ask a caller for their name, the name of their company and the address of their company. If they are a legitimate collector, then they...

I am a guarantor on an unexpired business lease with a large balance. Do I list the debt on Schedule F or G?

You will list the lease on Schedule G as an unexpired lease. You are also going to want to reject the lease because it will limit the landlord's...

The best way to make sure that the trustee gets paid on time is to set up a wage attachment on your pay checks. In my district, which is the...

The act of filing the bankruptcy and putting on the petition that you want to surrender the house does not take your husband's name off of the...

If your case as a no asset case, then the debt of the creditor that you left off your petition has been discharged. You should make the creditor...