You may use money gifted to you to file bankruptcy. You should be certain to reflect the gift in your schedules so that you do not have to explain...

Do not let them repossess the vehicle. It is likely that you will owe money once the vehicle is sold by the lender. They will sell it on the...

You can always dismiss your Chapter 13 case. The debts will still be owed, but, sometimes you are better off dismissing a Chapter 13. If you are...

The decision to pay or not pay the debt collector is up to you. If you do so, the debt collector does not have to accept any payment that you make...

Bank hold my car title, for car not included in bankruptcy

The bank may be able to do what it is doing. You need to ask the bank to show you the paperwork that causes a credit card debt to be a lien on...

Do I have responsbiity for my wife's credit and charge card debs? (I am not on any of the accounts)

The answer is, as it usually is, it depends. You are not responsible for your wife's debts unless the debt was for necessaries. Examples could...

Can I negotiate a credit card judgement that is close to 8 years old ?

A judgment is good for 10 years from the date it is entered. Because of this, it is possible that the creditor could try and sell your home. The...