Chapter 13 questions

If you do not have any disposable income on Form 22C you should move on to Schedules I and J. If you do not have disposable income on Schedules I...

I had a condo in california that foreclosed. I also have HELOC. Would a chapter 7 discharge the HELOC also? I now live in Md.

A chapter 7 discharge will eliminate any personal liability with respect to the HELOC. This means that the HELOC lender cannot go after you for...

I am facing a lawsuit for a credit card debt that I cannot pay. Will I lose my home or my car that I use to get to work?

The creditor probably won't go after your house or car. However, if awarded a judgment, the creditor will likely go after your bank accounts and...

Can a creditor listed in bankruptcy garnish your wages

So long as the debt was discharged (there are some debts which are not dischargable) the creditor is violating the discharge order. You should...

Can an attorney for a collection agency put a lein on my home when they have garnished my wages and bank acct?

You should contact a bankruptcy attorney immediately. A bankruptcy will stop all collection efforts immediately and you may even be able to get...

How can i cancel a debt conolidation contract and get the money back?

You should hire an attorney to file your bankruptcy case. The attorney should be able to sue to get at least some of your money back. Sometimes...

What are my option if I do not qualify for chapter 7 and 13 sounds unreasonable?

I would get a second opinion on the means test and the overall strategy for your case. If you don't want to give up your house there should be a...

Cosigned loan for mom. mom defaulted and in collections. she files bankrupt, am i still held responsible?

You are liable despite that fact that she will file a bankruptcy case. The bankruptcy will only clear up her obligation to pay the debt. You may...

My sister is the owner of the house i live in , in December 09 she filed bankruptcy and now the house is going into foreclosure

Contact the lender about purchasing the home or assuming the mortgage. If you can't work something out then show up at the auction and bid on the...

I just want to be clear that it is my understanding that nothing in the bankruptcy code mandates that banks freeze the accounts. When I said...