Do I still have to pay rent?

"Have to" is a difficult phrase. We all "have to" pay our bills, observe speed limits, etc., and there are sanctions imposed if we don't. Do you...

Equity loan and bankruptcy

First, we have to address the choice you have as to what debts you can include in a bankruptcy: NONE. All debts that you have must be disclosed,...

When the collection agency contacts you, keep to the point: You dispute the debt and you want validation of the debt. You can dispute the debt...

In Florida, Tenants rights when landlord is being foreclosed on

In a foreclosure proceeding, you have an interest in the property--the lease--which the lender is seeking to extinguish so that it can sell the...

My child is 18 years old and still in high school. can i use her as a dependent in my chapter 7 filing?

Absolutely. As long as your child is attending school--up to the age of 24--and your child is not providing more than 50% of their own support,...

Can I put a school on a Chapter 7 Bankruptcy? Not a student loan, Just a school debt? Can the school take my taxes?

You are required to list all debts that you have, not just those that you wish to discharge, so the real question is whether the debt that you have...

We payed $1,000 to trial a timeshare for a year in Las Vegas and haven't gotten to use it due to bankruptcy-can we get $ back?

Let me supplement Mr. Kovacs' response by pointing out that your ability to use the premises has no bearing upon your entitlement to recoup your...

Bankruptcy - equity loan

Frankly, you do not have a choice--you have to disclose all debts that you have, whether or not you want to have the debt discharged The...

House foreclosed on in Mo. 2 yrs ago by the first mortgagor, now the second sold their loan to a debt collector, what can I do?

The second mortgage holder is not required to bid on the property, but instead can elect the remedy of seeking to collect on the promissory note...

We are 3 years in, on a 5 year chap 13 Bankruptcy. If it's dismissed can we re-file to get cheaper payment?

Let me supplement Mr. Araujo's response by pointing out that you may be able to have your plan payments modified based upon the decrease in your...