Where can I get the homestead exemption form?

From your bankruptcy lawyer. Don't try to do this without one.

I am in Virginia I did not sign the note but the deed of trust. In 2003 gave by deed half interest to my property to my x

As long as the loan is in default, the lender/servicer can foreclose (assuming they got a valid lien in the first place by having all owners at...

Does this sound like reasonable fees for Chapter 7 and 13?

Reasonable? I would question the competency of anyone charging that little for a chapter 7. For a 13, the total fee is probably $3000 or more,...

I filed chapter 7 and was discharged and months later a lien was sent to my employer for garnishment 100%

Not sure what you mean - there is no "option of garnishment protection." Your state taxes either were or were not discharged. Your lawyer should...

My bankruptcy was dismissed today because I took the before class after I filed how long do I need to wait to refile.

No need to wait. But see a lawyer, as Judge Kenney told someone in your situation in court today (I'm assuming that was probably you in court). ...

All, thanks for the responses, Someone told me that Chapter 7 would be an option as well. Goal is to save the home?

In the 4th Circuit (MD, VA, WV,SC, NC), you cannot strip off a mortgage in a Chapter 7, only in Chapter 11 or 13. Chapter 7 will also not give you...

Is filing a chapter 13 and option to get rid of a second mortgage which I am having difficulty paying?

Quite possibly. First, it will address your other debt to free up money to pay the mortgage. It will allow you to cure the deficiency, or, if the...

2nd mortgage on a foreclosed loan

Yes. They have to sue and get a judgment first, but once they do they can garnish wages and/or bank accounts.

Who will receive the profit on a foreclosed residential property that is worth more (mkt value) than what is owed on the loan

The borrower gets the surplus, if any, after paying off all liens and all costs of sale (although you may need to submit a claim to the foreclosure...

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Can they garnish your wages and freeze your checking account at the same time?

In Virginia, the same garnishment summons cannot require garnishment of both wages and other assets. Va. Code section 8.01-511(C) provides: "C....

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