I own a small plumbing business that has went under. I want to file bankruptcy but I don't want to ruin my personal credit.

Just having your name on a credit card does not make you responsible personally. If you personally guaranteed it, then you are liable. Bankrupting...

New law on IRA lien - related to bankruptcy law - Is there a new law that said they can place a lien on your IRA as collateral?

Contact the trustee and ask for a cite. Virginia exempts IRAs from creditors. I am not aware of any federal law that changes this. If there is, it...

Should I convert to Chapter 7 or is there another option?

Do you have an attorney? If so, consult with your attorney? If not, consider yourself lucky to get a Chapter 13 plan approved. Whether you can...

Chapter 7 schedules. Where should I list my timeshare?

If you have a Deed, it goes on Schedule A. If it is a contractual right instead, it goes on Schedule B. If you owe anything on it that is secured,...

My husband has a overpayment charge with unemployment with penalities

You asked this question several times. Getting legal advice on an Internet website for such a matter is not a good idea. You expose the issues to...

Will a lender foreclose more aggressively if I went through Chap 7 bankruptcy last year?

I have had clients in houses for a year or more after the case was discharged and the clients weren't paying anything. Reaffirming a mortgage is...

I filled out my 1040 incorrectly i added in a 1099-c amount and included my form 982 with proof of my bankruptcy..but

Definitely amend and do it now. Discharged debt is not subject to tax. Include the discharge order as well.

I am asking what I need to do to record a phone conversation. I am in colorado, they are in florida

Why are you doing this by telephone? Send a written dispute letter to them and to your credit card company. Also send a dispute to the Federal...

Were in that person's house or your own? You have no real expectation of privacy at someone else's place. Seek legal help now, but don't expect...

What exactly would be considered exigent or emergency circumstances to enter and search private property without a warrant?

You need to sit down with a criminal law attorney and explain everything. Attorney-client privilege protects you. If the police came for a noise...