Keep in mind that in many states, if you are sued, you must raise the statute of limitations as a defense or lose it. The debt can still be...

How long does recover and resitution stay on your record

Your credit report is governed by the Fair Credit Reporting Act - you are looking at about 7 years.

I am unable to do a garnishment of wages on a judgment. What are my other options?

Virginia has Debtors' Interrogatories to find other assets. If there aren't any, then you are out of luck.

I have been in Chapter 13 for about a year. Even though I married Only about a year before I went into Chapter 13.

Your income on the date of filing is what matters for the means test. If you qualified then, you should be fine. You would need to show what has...

I have two judgements filed against me and can not afford an attorney. What are other options?

If you cannot afford a lawyer, you likely have few assets and low income. If there is nothing that a creditor can take, then you would be fine,...

Owing compensatory damages, if I file for bankruptcy will the charges go away?

What are the compensatory damages for? 11 USC 523 shows all of the debts that are exempt from discharge.

Medical debt. when to file for bankruptcy?

They can send you to collections and refuse payment if you do not pay the mandatory minimum that they have set. Whether bankruptcy is an option...

Not on Note, but on Mortgage

I already answered this question. If you have an interest in the property, you will be named. If you are not on the note, it should not be on your...

If I am not on the note, not on the deed, but on the mortgage, will I be included in the foreclosure process?

If Michigan is like Virginia, then there are two documents that compose what you think of as the mortgage, the NOTE and the Deed of Trust. If you...

Loan modification- is it different for unemployed parties vs employed parties?

There is no requirement to be delinquent under the federal programs. Contact HUD for help. There is a requirement for income and unemployment does...