In Pennsylvania, property held by a husband and wife jointly, such as a house or joint bank account, is typically held by the couple as "tenants...

If I File Chapter 7 Bankruptcy, Will I Pass the "Means Test"?

It is possible that you would qualify for Chapter 7, because of the combination of your family size and domestic support obligations. However, as...

I declared Chapter 7 bankruptcy 2 years ago. I never signed a reaffirmation of the debt. Can I just walk away?

I agree with my colleague. If you stop paying, the house will go into foreclosure, but you will not be responsible for any deficiency after the...

Is it legal when a credit card co. raises your rate and if you cant pay they can take you to court

For the most part, credit card providers can increase interest rates more-or-less at will. However, there are some restrictions. Under the federal...

Once a bank has foreclosed on a property, How do you get the judgement off record after a year has passed?

I agree with my colleague. A foreclosure will most likely appear on someone's credit report for up to 7 years. I would only add that in...

In Chapter 13 do you have a right to save your home ?

If you are behind on your house payments, Chapter 13 can help you save your home by allowing you to pay back your arrearage over three to five...

My house is in forclosure and a year ago a lawyer called me to say he could save my home. all he did was file ch 7.

I am assuming that you received your discharge. Yes, you can file under Chapter 13 after filing under Chapter 7. However, as your sale date is on...

My house is in foreclosure however, there were a few things done that were wrongfully done.

I would not rely on OCC as your sole source of a remedy. From the facts you describe, you may have defenses to the foreclosure. Chapter 13...

I have civil action hearing about credit card debt what are their options for collecting this debt

If the creditor obtains a judgment, it can execute on that judgment by levying your bank account (if it knows where you bank) or levying your...

I have $25,000.00 business credit card debt in my name that was incurred by a business that I own.

Generally, the spouse that entered into the contract is responsible for 100% of the debt as far as the credit card company is concerned. There is...