Is it too late to change the BK documents from reaffirming to redemption on my auto loan? How long do I have to find a loan?

I agree with the prior responses that if you haven't actually signed and filed a Reaffirmation Agreement with the Court, then you haven't actually...

How much equity a married couple can get from their home, even filling bankruptcy 7 and have a 2nd lien which was written of B?

If the dollar amounts you have stated are accurate, you will not be able to find an attorney to help you strip off the SBA / 2nd, since you can...

I agree with Atty. Whitaker but would also point out that you are appear to be assuming the statute began running Jan. 2009 and ran continuously...

Does filing for chapter 7 bankruptcy immediately eliminate my obligation to pay unsecured prepetition debts? If not, why not?

I agree, technically, with the prior responses, but as a practical matter, if you did not pay anything toward the prepetition unsecured debts, the...

Is an authorized signer responsible for the debt on a credit card if the cardholder dies?

No. Absent any agreement to the contrary, the cardholder is solely responsible for the charges to the card by the cardholder or anyone the...

We filled for chapter 7 and it was discharged in March. Not able to make payments on 1st & 2nd mortgage. what are our options?

I agree with the previous responses, but keep in mind that so long as you didn't reaffirm the first or second, your liability for them has already...

Can I use Chp 7 704 Homestead Exemption? Wife lives in our house but we have lived separate and apart for almost one year.

Yes, you can use the 704 series of exemptions by yourself to exempt considerably more than your stated $40k in equity. But, how certain are you...

Do i list owed wages (over 7 months old) on schedule E or do i just list the employees on schedule F unsecured non-priority?

So long as the claimed wages were earned more than 180 days before filing, then nothing needed to be listed on Schedule E. I don't agree with your...

I agree with Atty. Spaulding that you can use the 704.010 exemption for multiple vehicles (so long as the aggregate total doesn't exceed the...

Bankruptcy help!

What property is securing the loan? If it is the property you are living ib, then the lender already has a lien against the property and can...