Chapter 7 and Student Loans

Georgia has state specific exemption. There is no general exemption for tax refunds. Georgia has a wild card exemption that you may use. If you...

I need to file Ch 7. and I am flat broke!

You will need to check with local attorneys in your state if you are looking for Pro Bono work. Most attorneys will charge something. Many will...

I owe a 20,000.00 hospital bill now they are threatening to take my mother's house it's in my name. I don't own anything.

Unfortunately you do own the house. It does not matter who is living in the house. If your name is on the house, you legally own it. For the...

If your tax refund is being directly deposited in your bank account, the bank can take any money deposited to cure the over draft. If you are...

DId you surrender the property. Property tax bills are usually secured by the property itself. Specific bankruptcy practices and procedures...

Is there a time limit to add to a banksruptcy after it is discharged?

A bankruptcy only covers debts that were owed at the time of the bankruptcy filing. From your post, it appears that these are recent surgeries,...

Credit Cards...

A gas card is consider a credit card. I would advise to stop using all types of credit cards before filing bankruptcy. Once the bankruptcy is...

I am retired from the United States Post Office and owe 30000 credit card and am in default on home loan

Garnishments are based on state law. I advise contacting a local attorney to determine whether they can garnish you retirement. Even if they are...

How long should a bankruptcy take?

First of all, I strongly encourage you to continue to contact the attorney. It should not take this long to file a bankruptcy for someone,...

Can I file bankruptcy with out my husband?

I agree with the above answer. There are many things to consider here. If you and your husband are joint on some of the debt and you file by...