They granted a relief on my automatic stay

Your options are limited. If you have the funds needed to catch up the delinquency on your mortgage, then you can ask your bankruptcy attorney to...

Should I declare bankruptcy or allow foreclosure to proceed?

Filing bankruptcy at this point is premature, unless you have significant other debt that would make it a good idea. In SC, it will take 3-6...

Can a mortgage be discharged with bankruptcy?

You can file bankruptcy, and you should list all creditors which claim that you owe them money, including the debts improperly created in your name...

I don't know what you mean by a hospital lien. If you are asking if a hospital can sue you and get a judgment against you for a debt owed to the...

As the mortgage holder, can I get a property back rather than have it sold at auction through foreclosure?

Foreclosure is how to get the property back, unless the borrower is willing to give you a deed in lieu of foreclosure voluntarily. Otherwise, you...

I filed for bankruptcy last August the house was surrendered , it was discharged last October .

No. Accepting the cash for keys offer shouldn't affect your bankruptcy discharge. Even after a bankruptcy is filed, the bank still has to file a...

Will I be able to get my official transcript under the chapter 7 automatic stay?

Note that Chapter 7 only discharges debt that is due before the case was filed, so timing may be an issue here if any fees became due after the...

If I want to withdraw from chapter 7 bankruptcy, might there be a problem doing so?

Normally, you will only have a problem withdrawing a Chapter 7 filing if there are non-exempt assets that the trustee thinks can be sold to pay...

Can a signature loan company garnish social security payments for non payment of the personal loan

No, they can't. It is best if the account where the SS funds are being deposited contains only deposits from SS, and not other income. This makes...

How do I tell a debt collector that I don't have any representation in a letter?

There probably isn't any real incentive for you to tell them that you are not represented, unless perhaps there is a pending lawsuit, in which case...