Who drafts reaffirmation agreements, the creditor or the client?

Usually the creditor prepares it but the creditor must be informed that you wish to reaffirm.

Am I obligated to this debt?

How would we know? Did you take out student loans? Have you received notice that the loan was either put into collection or sold?

Transferring of title before chapter 7 bankruptcy?

This sort of transfer is always a red flag for further investigation. If you don't need it, and she does not want it, how about Mom sells it for...

I filed chapter 7 bankruptcy but I need to write a motion to have student loans discharged unter the undue hardship law. Is the?

The Brunner test is teed-up by an adversary proceeding, not a motion.

Will I be able to surrender a percent of a partnership (real estate) prior to filing chap 7?

Sorry, but this question cannot be answered without a review of the partnership agreement, and an analysis of your other owned property, and...

There is no requirement to give advance notice of a garnishment. Either try to set up a payment plan, or go into one of the many available...

I've seen several questions about "mediators" calling to collect. Mediators do not call to make collections. This is likely a scam. If there is...

Does a Joint Tenancy Deed WROS trump a will that was never probated or recorded?

You have answered your question. The JTROS deed prevailed over an unprobated will, actually would have likely prevailed over the probated will. ...

How do we continue paying our monthly HOA fees by check?

Unless there is a State statute to the contrary, your Board has just voted that you CANNOT pay by check. Why do you resist using ACH?

If I sue a cruise line and win who pays the lawyers . The put $14000 on my credit card and won’t give it back ?

The normal rule is that everyone pays their own attorneys fees. If there is a contract or a statute shifting that responsibility then you might be...