I live in New Jersey and need to file a Chapter 7. Can I list my monthly student loan payments of $500 on schedule J.

I agree you can list them on Schedule J but that whether the Trustees or the UST will agree that the deduction from income is a legitimate expense...

I am about to have my divorce finalized. My soon-to-be ex and I are awaiting the Ch 13 bankruptcy to be approved.

Yes, but . . . Why did you file a Ch13 with your ex? You will have to work with him/her for the length of your plan which will likely last three...

Can I file chapter 7 if I'm unemployed and keep my car?

Sure. You will probably have to file something called a Reaffirmation Agreement with the Creditor and that agreement will need to be filed with...

What happens at an Automatic Stay hearing?

TALK TO YOUR ATTORNEY. NOW! While in bankruptcy when a mortgage is transferred from one service or holder to another, they usually do not send...

Wondering if I am nearing my final payment in my chapter 13 case?

How this issue is handled depends on a couple things (or more). First, what does your plan say? second, were you above median debtors at the time...

Unfortunately, the only advice I can offer is to pick up the phone and continue calling insurance agents. Being in a Ch13 should have no impact on...

Will the bank foreclose on my house because of 1 missed/late payment?

I agree with Ms. Bunce. But even if you were not in bankruptcy, it is unlikely that any bank or mortgage company would foreclose on a note that is...

As long as you can save the money and do not incur debt to purchase whatever you want or need to buy, then go ahead. If you need to incur debt to...

Can a trustee take away the funds from a life ins. policy that will be used 4 support upon a spouse death and give 2 creditor ?

As my colleague indicated, if the policies have not paid out yet, they are probably not part of the equation. However, since each state has very...

What do I need to do to switch schools?

This had been posted in Ch13 Bankruptcy which is not the area of law that you need expertise in. I switched the practice area to family law. ...