What happens if Chapter 13 is not confirmed? what are my alternativies?

You need to speak with your attorney, if you hired one. A higher figure of $8000 in the arrears in your mortgage should not cause your plan...

Bankruptcy and HELOC

Yes, a chapter 13 could potentially get rid of your second mortgage and treat it as unsecured debt (just like credit cards). I strongly suggest...

Did you have any sort of agreement that you could make monthly payments? Has the account been sold, or is it simply a collection agency?

Looking to file Ch 7 or 13 in FL and surrender house and car. Need to save up cash for new place to live. Will I lose it?

I have to disagree with the previous answer. This shows the danger of answering questions outside of your state, even when the law is mostly...

Can a collection agency add accounts to your report

You need to see a consumer attorney regarding a possible Fair Credit Reporting violation. What type of bill is this that appears to be reporting...

How to place a lien on a boat in Florida for unpayed storage.

You cannot place a lien on the boat unless voluntarily agreed to by the "customer". Since the s/he is not going to agree to that, you would have...

Where does a legal action have to be filed on a deficiency balance on a mortgage?

It is not unusual to deal with different companies/law firms who try to collect a debt. Accounts get bought, sold, and transferred...

Can I break my lease since I was served with foreclosure docs?

Just because the owner is in foreclosure, this does not give you an absolute right to terminate your lease early. Your lease agreement might...

As to your son's credit, it may have already taken a hit because of not paying this card (and maybe there are others?). If he does not pay on...

What can I do about a Debt collector filing a lawsuit against me

That is one of the problems with negotiating your debt. First, all of your creditors have to agree to take the reduced amount. Otherwise you...