Mr. Caldwell is spot on. You will need experienced bankruptcy counsel to look at your Chapter 13 options. I have use Chapter 13 to pay off...

Some states like mine have very specific requirements a lender must follow to get a deficiency judgment. Is the credit union suing you yet? If so,...

Whether this is an issue in a bankruptcy depends on the amount of the loan, how you used the loan proceeds, and how long ago the loan was made. ...

I have never heard of a creditor using that as a basis for a non-dischargeability complaint. As long as your overall budget doesn't have any...

This is going to be an expensive lesson for your daughter. She is responsible for the debt and the lender will not let her off the hook. She will...

This is why you need a lawyer. If you had one, you may be driving the car by now. The lender can't normally refuse to turn over the car without...

Whether you can include someone in your household on the means test depends on if the courts in your area rely on the "heads on beds" standard or...

There are two types of consumer bankruptcy- Chapter 13 and Chapter 7. A Chapter 13 is a repayment plan while a Chapter 7 wipes out debt without...

In my state the answer would be no. The tow years here have a lien, but there is no personal liability on the part of the car owner. You need to...

It is no longer a debt due to your discharge. So you should not list it under the debts section of the application. However, you should list the...