What, if any thing, can I do to lower the trustee payment

If your financial situation has changed, you can file a motion to modify your Chapter 13 plan. Chapter 13 is not the type of case most people can...

If you own a home jointly if only one files bankruptcy does that stop foreclosure action

Yes. Under Chapter 13, the co-debtor is protected from foreclosure as long as the filing debtor is in a Chapter 13 plan. The filing debtor must pay...

How do you get a bank to produce a bank note?

Assuming this is a mortgage loan, you have some options when faced with foreclosure. If there are questions about the enforceability or ownership...

Is it a simple process to file Chapter 13 Bankruptcy on your own?

Bankruptcy in general is a highly complex area of law, and Chapter 13 is particularly difficult to navigate without an attorney. I frequently get...

I live in the state of Pennsylvania, Credit agencies are billing me for charges that are well over 7 years old. Are they allowed

As Mr. Rubino noted, the fact that a creditor has sold a debt does not change the Statute of Limitations or the length of time in which negative...

If my husband declares bankrupcy to discharge a mortgage in his name, will this affect me legally or financially?

In Pennsylvania, you are not responsible for your spouse's premarital debts, unless you cosigned for or guaranteed the debts. Likewise, a spouse...

A debt collection company is saying I owe them 3k but I have no records of ever having a credit card they claim I never paid?

I cannot add to Mr. Rubin's excellent and thorough response. Scammers and vulture debt collectors (collectors of debts that are unenforceable...

How to negotiate payment plans for long defaulted credit cards? Owe 50K. Do I Need a lawyer?

Look for an attorney with experience in debt negotiation. Your attorney should know how to review potental defenses to your debts and limits on the...

Can a Debt Collector, who has a Judgement, garnish a joint bank account with a spouse?

I agree with Mr. Rubin. Pennsylvania's doctrine of tenancy by the entireties protects the joint property of a married couple from execution by the...

As my colleague noted, your joint account (and any other joint property held with your spouse) is protected under Pennsylvania's doctrine of...