There are ways to reopen your bankruptcy and avoid the second lien if it impairs an exemption. You might want to ask your bankruptcy attorney about...

Many debt relief companies charge exorbitant fees and often fail to deliver. It’s generally a better investment to retain an experienced attorney...

Is this even possible?

It’s difficult to fight a wage garnishment outside of bankruptcy. If you file for bankruptcy, an experienced attorney can get you back 90 days of...

My wages are being garnished currently. Can my bank account be frozen at the same time as the garnishment by the same people?

Yes - a creditor can use several means of collection to collect on debts. I suggest talking to an experienced attorney about how some of those...

Generally personal liability only is discharged in a chapter 7 and the lien would survive the bankruptcy unless it's able to be avoided in a...

Judgments in Maryland valid for 12 years and can be renewed to be valid for longer. During this period, the creditor can continue to collect on...

Can I make my mortgage payment before the month ends before the bank will do anything about it?

This really depends on the mortgage company/servicer and the details of the loan documents as to when a payment is considered late. A lender could...

How do a creditor remove a bank restraint without collecting on it?

I am assuming by your narrative that the creditor caused a freeze on your bank account that did not get released, and you would like access to that...

Can I sell my home? Is a modification after chapter 13 dismissal the same as reaffirming the mortgage debt?

It depends on the loan documents. They make require to sign a new note, which would mean you are personally liable for the debt.

CCU can be difficult to negotiate with. I recommend discussing this with an attorney that has experience negotiating with CCU to obtain the best...