May not be required but since all it would cost is a stamp, an envelope and a few sheets of paper, why not? Better safe after all.

Do i return civil papers for credit card debit ?

I suspect what had happened is that S&R has a judgment which they are seeking to collect. If so they've sent you a notice of rights to designate...

Os this message from a legit agency ? it was left as a transcript of a voicemail message on my cell phone .

Sounds fishy to me. Likely a scam. If you had an attorney assist you with your bk, ask her.

No, that is insufficient basis to get out of this lawsuit. At worst the creditor would amend the suit to add your married name. I recommend you...

Lift of stay during chapter 13, due to marital separation?

I agree with Mr. Granvold. Typically a mortgage modification package being sent or even being submitted does not stop a motion for relief from stay.

How is it fair after my interest only loan, and bankruptcy, a loan only increased my payment but my bank started interest again

You bought a house 8+ years ago and have not paid anything toward the principal. Just because you paid interest for at least 5 years and paid a...

How can i petition the court to allow me do my chap 7 bk now instead of 6 months from now when my 8 years is up

You can file for a Ch7 and receive a discharge after 8 years have passed since the first case was FILED. Discharge date does not matter. If your...

In that circumstance, reaffirmation would be a very bad idea. So would retain and pay. Redemption for fair market value would be a better idea. So...

What representation do I need when my final payment to the court has been made & my chapter 13 is released?

Hire an experienced local bankruptcy attorney to assist you with the required final steps to get your discharge. Ms. Bowinski and Steve Harkess are...

Chapter 13 BK: I'm a realtor whose client owns a 2 unit building. What am I supposed to do with the offers I receive?

You're a realtor who stands to make a substantial commission from this sale. Go hire an attorney to advise you and assist you with preparing the...