Is divorce my only option to protect my disposable income from my new spouses previous Chapter 13 Bankruptcy with his ex?

Regardless of community property or common law, the bankruptcy code includes the income of a spouse to determine a reasonable payment in Chapter...

I have been discharged of chapter 7 bankruptcy. Can i obtain a Mortgage license after the fact?

The Bankruptcy Code prohibits any governmental unit from denying a license because of a bankruptcy filing. See Section 525 of the Code.

If someone is released from a five year chapter 13 after three years does the debt go away after seven years?

There is either an order of discharge in the Chapter 13 file, or not. Early "release" from Chapter 13 can be a good thing, or a bad thing,...

CAN I DO ANYTHING ABOUT THIS?

Your son will have to defend himself from the attack by the Trustee. As Mr. Zink said, it is likely you are referring to actions of the Trustee to...

Yes, the identity of your employer does not affect your ability to file for bankruptcy protection. Most bankruptcy attorneys will give a free...

Is this illegal?

You did nothing wrong. Signing a mortgage modification does not reaffirm the note. This is not illegal. Happens all the time.

Can you default on a new loan while on chapter 7

A Chapter 7 discharges only debts incurred prior to the date of the petition. If you borrowed money after the date of your petition, that was not...

Need advice to stop a foreclosure on my home. I am 71 years old and have called Legal Aid every day with no return call.?

You will need a Chapter 13 bankruptcy. The normal fee is $3500, which you may consider high, but that attorney will be representing you for three...

Don't fear the consequences of disclosure. Fear the consequences of non-disclosure. Tell your bankruptcy attorney about this, in writing,...

Is there a scenario where credit card companies will negotiate down debts?

Some will negotiate, some won't. The reduced amount will depend upon the creditor's view on collectability. The forgiven amount may be reflected...