If you are considering Chapter 7, you must wait until the 8th year after entry of your last discharge.

There is no such thing as credit for a startup business. The personal guarantee of the owner(s) is the norm. You cannot execute a personal...

Fraud requires intent and a lie. While you did intentionally make the charges, you did not lie about it. If you have not yet filed, wait at least...

It is a violation of the permanent injunction related to your discharge, assuming that a discharge was entered in your personal case. The Court...

If you guaranteed the SBA loan, the amount of the debt will factor into the payments you may be required to make to unsecured creditors. If you...

The Current Monthly Income Test is several pages of detailed information. Just earning in excess of the threshold amount is not indicative of...

Totally unfair to ask the prospects for the results of a bankruptcy case when all facts are not known. After my staff collects about 50 pages of...

Exdellent question. The UCC-1 may be defective because it is unlikely that it lists the exact bar codes on the panels, but that is another issue...

Bankruptcy will stop the sale. Then you've got to figure out how to either pay it off, or have it reduced to the value of the property less any...

Sounds like a scam. How do you know the call came from a law firm? Get the name of the firm and the attorney responsible for the collection and...