Bankruptcy/Cosigner for Car Loan

You would be able to surrender the car in a bankruptcy and not be liable for the debt or deficiency balance.

How can I get this fixed in a timely manner? Cant get an answer from bank or credit agencies. thanks.

What is the nature of the incorrect reporting? If a valid reason, then you would send a formal dispute letter to the creditor or collector...

Yes, you can get a principal reduction on your house... if... your loan is not owned by Fannie Mae or Freddie Mac. (You can google search...

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Do I file bankruptcy, or, if I am able to, pay off the civil cases and debts? Which is best for my future credit score needs?

You need to consult with a bankruptcy attorney and determine if you qualify for chapter 7, or not. Then make a financial decision to file...

How can someone come after you on a private student loan that is nearly 12 years old?

Private student loans DO have a normal statute of limitations. Federal loans have no statute of limitation. Assuming this is indeed a private...

In a Chapter 13 Bankruptcy, can a primary residence be considered an investment property under certain circumstances?

The fact that you live there, and likely have it homesteaded for tax purposes means a cramdown isn't going to work. Also, even if you could...

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Am I able to pay off my chapter 13 early without using the bankruptcy attorney who initially established my case?

Typically, if you are paying 100% to your unsecured creditors already (before the insurance payout), then a payoff of your chapter 13 plan should...

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What type of attorney do I need?

Seek a consumer attorney. Most handle debt defense and bankruptcy. Not enough facts to know what situation is best for you.

What are the best options and course of action for this situation? Thank you.

What are you trying to accomplish? Walk away, or somehow keep the business going? Not sure if you are talking bankruptcy, or somehow finding...

Does the creditor service have claim to, or can they legally take or repo my car from me, which is registered to me in Florida.

You may need to claim your exemptions in the state court lawsuit. If you do not claim your vehicle exemption, the lender may be able to collect...