Discharged 2nd Mortgage, underwater and late for 9 months sold to a collection agency, can they settle for a lump sum?

You are engaged in high-stakes poker. You are betting on the likelihood that the owner of the note and mortgage will foreclose. It is highly...

Is bankruptcy my best option?

You need a full intake with an experienced bankruptcy attorney. Your question is not specific enough. Generally, bankruptcy is your best option...

Can creditors (all credit card debts) still come after the estate after my death, if the statute of limitations as expired?

As usual "it depends". Some assets can pass through an estate some can not. Your situation sounds complex to the point that you need professional...

How do I find out how much I have pay in arrears

Not clear about the context. Is this for the purposes of a Chapter 13 to cure and reinstate? Is this to negotiate a modification? Best to...

I am thinking of filing chapter 7. I receive and annuity payment from my dad passing away. Would I lose that?

Annuity payments are not exempt. Annuities you own are likely exempt. You will need to bring your documents to a qualified professional for a...

After trustee abandons an asset (lack of equity) & I receive discharge, what are my options with respect to foreclosed property?

Your options include: short sale; defend the foreclosure and stay; leave (if you have HOA fees you continue to be responsible for same). We are...

I paid cash for my home yrs ago but had a home equity loan which was dissolved when i filed chapter 7 recently Do I still have

"Dissolved" is not really a term of art applicable here. You were likely "discharged" of the personal obligation to pay the note. However, the...

CAN A CREDIT CARD COLLECT A BILL FROM 10 YEARS AGO?

As usual, the answer is,"It depends." From what State did the card issue? When were the last payments made? Did they send a letterconfirming the...

What is the statue of limitations time on a credit card from 2007?

The specirics of the statute of limitations in TN is not within my ability to answer because I am not admitted to practice there. Generally,...

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I forgot to add a creditor to my Chapter 7 Bankruptcy case in Florida, do I still need to add them? Will my attorney charge me?

While you may be technically correct, as a practical matter you want all of your creditors listed on your discharge so that your credit report will...