Chapter 7 will not save the property, it will only delay the foreclosure. Chapter 13 will stop the foreclosure, give you a chance to catch up the...

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You will likely lose in court. Lack of income is not a defense to a lawsuit for default on a debt. However, you may be judgment proof. If you...

If the tax lien holder was paid in full, it is obligated to release all the liens. These releases are public record and should be filed at the...

There are a lot of questions here to answer. How much is the property worth? Does it make financial sense to acquire this property? Get with a...

You said you late father refinanced the house. Was your mother on the loan? If not, the foreclosure of the KY house will not affect her. Whether...

A mortgage lien (the HELOC) can't be avoided in Chapter 7. The lien survives. You don't have to pay the underlying debt (it is discharged), but...

A long time. Keep in mind the Trustee has to hire an accountant and possibly file IRS documents before closing the case. He then has to get the...

Be sure to list the lender as an unsecured creditor. You should also list the repo in your Scheduleds (there is a question for it). The...

Get a consultation with a bankruptcy lawyer. That should be free. Then the attorney can advise you about liquidating exempt assets.

You must take steps not to save the home. One option is to meet with the HOA, straighten the matter out , and put in writing that they are...