Can I retain my home if mortgage company states in letter they are not a debt collector and have been receiving payments from me

In Virginia, filing a Chapter 7 bankruptcy slows down the foreclosure for about three months. Maybe four or five. Sometimes that makes...

Taxes were prepared and given to the trustee before the 341 hearing but they had not been filed because we had no money left

Even if you cannot pay your taxes on time, you should file them on time. The law requires you to file, even if you can't pay. Looking at it...

Discharged?

The discharge is usually about two moths and two weeks after your bankruptcy hearing--the section 341 meeting of creditors. That's about three...

Fair Market Value

Is there equity in the house beyond what's needed to pay your creditors? If no, then why do you care what it sells for. (Are you trying to pay...

Missed chapter 13 payments

Usually, yes. It depends on how many you missed, what your excuse is, and what kind of modification you propose. How quickly you contact the...

Based on means test, I qualify to file for Chapter 7. I have very little income but have a lot of personal possessions/assets.

You are right. You can file a Chapter 7 bankruptcy. The bankruptcy court may want you to turn over some of your stuff for them to sell and pay...

Debt collecter attrny saying he represents original credit card company when he is not

Don't know about state of Oregon laws. But it looks like you have some tools to work with to protect yourself. You need to answer the motion for...

I've been in a Chapter 13 for 6 months. My income has dropped significantly since starting making it hard to manage our expense.

Why were you in Chapter 13 to begin with? Can't answer any of your other questions without knowing the answer to that one. If you were eligible...

My small business went under and I filed a personal Chapter 13 in June 2010. In August 2010 I retired from the military.

There's a loophole to the income requirement for filing Chapter 7. If you are 40% disabled veteran and most of the debts were incurred when you...

As far as I know, only Wells Fargo and Wachovia freeze people's accounts when their customer files bankruptcy. Others only do it when you owe them...