What is fraugelent transaction in Florida and what are the time limitations?

Simply put, a fraudulent transfer is when you transfer something to someone else, and what you receive in exchange is of lesser value. I agree...

My Chapter 7 BR was discharged in Feb 12. My mtg & HELOC was included in the BR. Paymts are current. What are the bank options

The HELOC will likely not take any action, as the value of the property is probably less than the first mortgage balance. If the first mortgage...

I was not served & not aware that there was a judgement against me back in 2006. If my estranged wife was served, can I contest?

I admire your attempt to represent yourself, but many times a person representing themselves "loses" when they would probably "win" if they used an...

Can a second homes mortgage be cram-down in a chapter 7 filing and payment arrangements made

On May 11, 2012, the 11th Circuit Court of Appeals in the McNeal opinion said you CAN cram down an underwater second mortgage in a Chapter 7. ...

Can a bank sell your loan to a debt collector while you are at the last step of your trail Loan modification?

Yes, it is legal. Typically, the modification documents do NOT require the bank to offer you a final modification after the trial period. So,...

Being sued for unpaid medical bills that were not covered by insurance should i represent myself?

First off, I hope you and your baby are doing well! As for your question, ultimately, your insurance contract (policy) is going to determine...

The second mortgage must be careful in sending you any letter! If their letter is an attempt to collect the debt that has been discharged, you can...

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I filed Bankruptcy in 2010 and in 2011 I went before the Juge. Am I still in a Active Bankruptcy?

If you actually filed two bankruptcies (one in 2010 and one in 2011), this raises a few questions: Was the first case dismissed (kicked out of...

Can a underwater 2nd mortgage lender sue on a Discharged debt or just Foreclose the property?

You, and the previous attorneys that have already answered are correct. The second mortgagee can only foreclose your interest in the home. It...

I'm sued by a credit union for a remaining balance of a foreclosure house in Florida My annual income is $46.000

All the foregoing answers are good ones. Joesph raised a good point. If your debts are primarily business debts, you are not subject to the means...