My mother moved back to Florida to find out that her license was suspended due to a judgment. How can she get it back?

If a payment plan cannot be worked out, a bankruptcy filing listing the judgment holder as a creditor will allow her to reinstate her license as...

Should I file bankruptcy

You should take your time in considering bankruptcy as it appears your assets are not being (presently) garnished, etc. But BK may be the only way...

I am about to file chapter 13 with no lawyer. Do I have to do the filing in person? or can I send someone else to do it for me?

Unless you crave aggravation & drama, engage a lawyer. As stated we're all in business & you can find someone to work with you on a payment plan....

I filed chapter 7 last April, and just found new job. will my new income be part of asset/estate for distribution to creditors

You're o.k. on both points. Any asset acquired post-filing date is not part of the bankruptcy estate. However, of course acquisition of a new car...

Am I able to defend myself against a creditor or debt collector lawsuit for large sum of credit card debt?

Almost always the big collection firms know what they're doing & if you did charge the card they will win in the end.

I was served a summons vs Portfolio Recovery on 12/9/14. I did not respond within 30 days but I shoes up at pre-trial 2 challeng

Portfolio Recovery is one of many collection firms that know what they're doing. If you owe the money it's a loser in the long run. Do you have...

Wage Garnishment?

Creditor(s) with a judgment are "in the drivers seat" & do not have to inform you of actions they take, such a serving your employer with a wage...

If a creditor sues & obtains a judgment it becomes a lien on any real property, homestead or not. A bankruptcy does not remove the lien to a title...

Bk 4 years ago,2nd mortgage,discharged, want to refi and cant due to a lien, how to remove it.

You need to reopen the case & file a "Motion to Avoid Judicial Lien". The judge will sign an order declaring the lien on real property null & void....

Can we use our IRA money for anything we choose? we have been in chapter 13 for about a year and a half

you risk the IRA monies losing its status as exempt if you use it for nonexempt purposes. I would advise against it till you're out of BK STEVE M....