Collection companies sell debts all the time. So it is not unusual for a single debt to be handled by 2-3 different collectors. To make it more...

A judgment is a lien against your property. Some property, such as SSI, can not be seized by creditors. However, the judgments liens against your...

Yes, the claim must be filed for payment. The Debtor can file the claim for the HOA if the HOA has missed the claims deadline. The Debtor needs to...

First, make sure they have your bankruptcy case number. While you are in bankruptcy, they can't sue. However, they may well sue if they do not...

Normally, one must assume a mortgage before it can be modified. I just had a client go through this process. The process for assumption and...

That is a possibility. Be sure to shop around and let lenders know your situation before submitting a formal application for financing.

Mr. Caldwell's answer is spot on. I do the same thing with my clients. Be sure to get 2-3 attorney consultations so that you can get information...

To reaffirm debt, a formal agreement must be signed by the debtor and creditor. In pro se cases, it must be signed by signed by the judge. Just...

Yes, the unsecured debt is included in your plan. If you have an ACP of 36 months, then the plan does not have to pay any unsecured debt. The...

To protect your rights and options, contact a creditor's rights attorney. I am always wary of someone not represented by counsel talking to...