I'm filing bankruptcy. Would it matter if I reduce my take home pay by lowering my W-4 exemptions from 4 to 1?

You are cfertainly smart to try to avoid Chapter 13 if there is any way. It is possible for someone living in Woodbridge with a family income...

Do i still have to make car payments if i file chapter 7 or talk to the lender for a reduction on payment

You need to make payments if you want to keep the car. You can try to negotiate with them but I ALMOST NEVER see car finance people willing to...

Filing bankruptcy worried about past due rent and landlord?

The bankruptcy will take care of the landlord...what you owe as of the date of the Chapter 7 is wiped out. If you don't move out right away, you...

What do you want to do? If you want to keep the car, you need to pay. If you don't want to keep the car, stop paying--and get your stuff out of...

I will be filing a chapter 13 in month or two being 3 months behind in my car payment I am worried about repossession before I

Do you have a locking garage? That would stop the repossession for several weeks while you finish work on the chapter 13.

My student loans are now in default and have been turned over to Pioneer Credit Recovery.

Calling family members after they talked to you is a violation of the Fair Debt Collection Practices Act. You can and should sue THEM for that...

When an a credit card account is charged off ?

It's definitely not accord and satisfaction. Because you haven't paid it. They may have made and insurance claim or taken a tax deduction. ...

Dan Press is right. You can use the Virginia homestead to get back the first $5000 they garnish from you, but they can--and will--just garnish...

I filed a chapter 13 a year ago. What. happened was a mistake. My. financial aid. got included into the chapter 13 by mistake.

I'd need to see the exact paperwork, but if they are blocking you from school in order to collect a debt, then they are violating the bankruptcy...

Virginia wildcard/homestead exemption

You have until 5 days after your "meeting of creditors" hearing. Weekends count so its less than a week. It doesn't have to be before the...