Was I the victim of a phone scam or am I in legal trouble?

I agree with Mr. Rafter and also wanted to add that you would likely have a claim under the Fair Debt Collection Practices Act. Contact a local...

If you can pay the post-petition arrears, (plus penalties, interest, & legal fees) then I would contact the bank's attorney and make arrangements...

I am in Ch13 and considering getting my second mortgage stripped. How far underwater does 1st need to be for this to happen?

The only requirement is that the first mortgage be more than the value of the home. Even if your mortgage is 1.00 more than the value of the home,...

Does FDCPA laws apply to individuals, not an agency, attempting to collect payment from individuals?

I agree with my colleagues' answers above. I've filed many FDCPA lawsuits, and I've frequently included the individual debt collectors as...

Can I convert my chapter 13 to chapter 7

I agree with Ms. Bunce's answer. Unlike a Chapter 13, you (generally) will have to pass the means test to qualify for Chapter 7. I would definitely...

What are the chances of Wells Fargo approving a loan modification with $16,000 due in paymt and in ch 13?

From what I am able to decipher, you fell behind on mortgage payments after the filing of the bankruptcy and the bank filed a Motion to Lift the...

Colorado Tax Liabilities After Short Sale (Chapter 7 was discharged and then closed as of 01/2014).

Assuming you received a discharge and the estate was fully administered, the broker is correct. You would not be liable for any taxes involved in a...

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We are in a Chapter 13 bankruptcy, Does the trustee or the bank have to accept the sale first? to make it go through easily.

You must first obtain approval from the Court before you can sell any real property that is part of the bankruptcy estate. If it is a short sale...

Can I stay in my home in an attempt to stop an eviction after a foreclosure by converting from a chapter 7 to a chapter 13

It is difficult to answer your question since we do not have all the facts. Was your house sold are foreclosure auction prior to your filing? Has...

Is debt negotiation possible with the holder of a HELOC?

I have had previous clients get an offer from the HELOC lender to settle the debt for anywhere from 25% to 50% of the loan value, so it is...