If the mtg payments on a condo are up to date, nothing is behind, however the condo fees are, I know the condo can place a lien

Yes, the HOA can foreclose just like a mortgage lender.

How can I obtain an afirmation of my mortgage on my own, quickly and cheaply?

The lender is lying. There is no rule or law that requires you to reaffirm the mortgage for the lender to modify the loan. Your lawyer did you...

I have a private student loan of $98,000. I only make $26,000 a year. I'm already paying federal loans. What are my options?

Unfortunately, the options with private student loans generally boils down to either: pay or don't pay. AS to federal loans, without knowing...

How do I go about negotiating a settlement on my second mortgage? Is there certain criteria I have to meet in order to negotiate

You can always negotiate. But it does not mean the lender will negotiate. More facts would be useful. How much do you owe on your first...

Can I avoid a potential deficiency judgment by declaring Chapter 7 AFTER my primary residence has already been foreclosed on?

Previous answer is right. Call me for a free consultation. 407-749-0080

Is bankruptcy my best option?

Depending on the amount of debt, it may be better to file chapter 7 now, while you can. Then the debt is discharged before you get back on your...

If i file a chapter 7 can i still keep my car even if i am a year behind in payments?

Most likely the lender would file a motion for relief from stay since you are behind on the car. This would allow them to repossess the...

Is it possible to wipe out unsecure portion of mortgage ?

You cannot cramdown or strip off the unsecured portion of your first mortgage on your principal residence. You have to pay the full mortgage.

How far back can your trustee investigate your bank statements and finances in a bankuptcy?

If your wife leased a car in her name only, it is not an asset that needs to be listed on your sole bankruptcy. As to the trustee investigating...

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How can I keep my only vehicle in bankruptcy?

You are only allowed a certain amount of exemptions. $1000 for personal property (which can include a car), $1000 car exemption, and if you are...