I agree that replacing an HVAC system is not a"luxury good". However, if you incur debt without the actual expectation (and intent to repay the...

We don't have enough information to advise you other than to say that filing bankruptcy is a way to deal with this situation. Whether it is the...

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If the claim against the creditor arose prior to the bankruptcy, then, unless the trustee abandons the claim, the claim belongs to the bankruptcy...

I think your wife's personal liability for the mortgage will be extinguished when she completes her ch13 because she surrendered the house. That...

I hate lease to own for real estate. I never recommend them. The advantages are all on the seller's side and the disadvantages are almost all on...

Debt Collection harassment is kinda like pornography. As Justice Potter Stewart said "I know it when I see it". Calling once a day at a reasonable...

You need to consult with your attorney assisting with your ch13. If the bench warrant was due to a debt that a creditor is trying to collect this...

The way most chapter 13s are constructed, a year in the debtor would be behind on their car payments avs would only get caught up at the end of the...

How much, if any, of your agreement was in writing? Anytime you're dealing with real estate, the transaction must be reduced to a writing, even a...

Maybe, probably. It depends on how the vehicle loan was treated in your ch13. If the interest rate was reduced or the value was crammed down, then...