Should I reaffirm my mortgage while in my chapter 13 plan?

Reaffirmation is only done in chapter 7. You really need the help of an attorney because your situation is way too complex to be addressed in an...

What should I do about a civil lawsuit for a car I voluntarily gave back?

No they can't just add the debt for the repo'd car to the debt for the new car. They're suing you because that is what they have to do to get a...

In my district you would have to attend. Speak with your lawyer.

How long is the statute of limitations on bankruptcy? What are the penalties for using false information on the petition?

There is no required debt to income ratio to be eligible to file bankruptcy. Inflating debts to meet some nonexistent debt ratio is both ...

Can I still keep my car in United States while I move back to my home country?

There is no reason I am aware of that would prevent you from owning a car in the US as long as you continue to make the payments and you have...

Can you pay off 2nd mortgage if discharged in bankruptcy? We have 28 months left and interest is 8.875%?

I am not sure what you're trying to ask. If you mean can you stop paying your second mortgage because it was discharged and they will not...

Skeletal chapter 13

The bankruptcy code places limits on the number of times someone gets the benefit of the Automatic Stay. For the first filing, the stay...

Can I file chapter 7 or what would be the best plan with my situation ?

You certainly sound like a candidate for bankruptcy. I recommend you consult with a few local bankruptcy attorneys and choose the one who seems...

Can legal fines be discharged in a bankruptcy

Criminal fines and restitution are not dischargeable in any chapter in bankruptcy. Ch13 will allow you to pay over as long as 5 years.

Is this going to reflect negatively on my credit report?

Assuming you filed ch7 and did not residency the loan on the car, you can return the car to the bank and they can't come after you for a...