You can again try to apply again for a modification. You should explore the chapter 13 option. There is a new program for Miami chapter 13 cases...

Is it possible to wipe out unsecure portion of mortgage ?

You have discharged the entire mortgage debt on your first mortgage if you did not sign a reaffirmation agreement. However, the bank retains its...

A bankruptcy will discharge most debts. You should contact an attorney for a free consultation as to your specific situation and questions you may...

HOw can you reduce a wage garnishment?

I agree with both responses. Since you obviously have increased expenses, perhaps you can enter an agreement to reduce the garnishment amount. A...

Making sure a debt is paid? What can I do?

I agree with the prior answer. This is the problem of co-signing. You are stuck if the other party does not pay.

If I am going to file for bankruptcy, how would I handle consumer debt collectors that are filing a lawsuit in the meantime?

You should obtain a consultation now with an attorney. If you allow a judgment to be entered, the creditor can attempt collection activities until...

What happens if the civil judgment is not renewed after the 10 year period expires?

In Florida there is a 20 year period. The creditor can file a lawsuit to renew the judgment. The information you apparently have from your...

Will my wife and I be available to go bankruptcy

The question is unclear if you have any other debt. If you have only one debt and you settle in full for $3,000, then there would be no need to...

How can I declare in bankruptcy if I'm illegal? and what are the consequences?

I would consult an immigration attorney and would not file a bankruptcy without that consultation. If your petition was denied by immigration, do...

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Is bankruptcy for me even if no deficiency judgment has been filed from a house foreclosure?

I assume from your question that you are not married. If you are married, depending on how assets are held and who has the debt, your assets might...