Can I file a chapter 7 if my permanent Hamp mod is not recorded with the county yet?

In my experience the banks are not recording modifications. You should be able to file a Chapter 7 at this point with no problem, but be sure that...

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Would a fully disabled spouse be a "dependent" as qualified in fla.stat 222.11, for garnishment exemption status

I have litigated this exact issue and lost when the spouse gets disability income. If she gets none, then it's probably a win for you. If she does...

What are my options against a debtor who defaulted? I have a lien on his car but the car is worth less than what he owes me

Your best bet would probably be to file a lawsuit on the debt and if you can obtain a judgment against him, then you may execute against his...

I had a chapter 7 discharge 3 years ago, I want to reaffirm my loan so I can refinance, how can I do it?

You cannot reaffirm a debt once your discharge has been entered. There is a very limited window of time during which a reaffirmation can be...

Could I lose my car is my spouse files bankruptcy?

Assuming that the car is paid for, there is a very high likelihood that the bankruptcy trustee will choose to administer it, which means auction it...

If on your credit report an account is "charged off" and you receive a letter from a collection company, is it true that as long

The debt is technically collectible by whoever owns the right to collect it up until the expiration of the statute of limitations for that type of...

My lender was granted a deficiency judgement in Florida, can I fight it if I was never notified?

As a general rule, you should have been served with a copy of the documents indicating that the bank was seeking a deficiency judgment and you...

How long does it takes for a response after a chapter 7 motion to vacade and reinstated was submitted?

I am not sure what you mean by "juridation" but it is not unusual for a bankruptcy case to get dismissed for failure to file documents. Even the...

Can we file bankruptcy chapter 7 for an LLC that owns 3 investment properties currently in default?

An LLC in bankruptcy would by definition be a business bankruptcy and so the means test would not be involved. You would only need a personal...

What is the difference between chapter 7 and chapter 13 bankruptcy?

The determination that will identify which chapter of bankruptcy is appropriate for you is what kind of income and assets you have. If your income...