If you have sarted with a chpter 7 can you change to a 13 in midstream and if so would you have to start all over again

The first response is YES, you can convert from a Chapter 7 to a Chapter 13, and you would not need to start all over--no need to take another...

Dept collectors are calling and going to start involentary dept collection. What should I do?

I disagree with my colleague's answer--you are wasting your time, breath, energy and mental thought processes by engaging in conversation with...

Oh, and to answer the question in the title line, if you do not respond to the Alias Summons you will be in default, which typically means that you...

The remedies of an HOA or COA are found in the association declarations. It is possible, if not probable, that the declaration allows the...

Can my wages be garnished by a credit card debt collector in florida

In Florida, the wages of a "head of family" are NOT subject to garnishment. I am home at the moment but I believe the provision is found in...

I went to the meeting of the creditors for my chapter 7 and forgot to list my bank account information. what can i do

You will also need to amend the Summary of Schedules to reflect the additional value of your personal property, meaning the bank. Remember to list...

Do I have to bring a adversary proceeding to discharge a plus loan in bankruptcy

You will have to be more specific. What is a "plus" loan? If it is a student loan, it is difficult but given your age you would have a better...

Can a 13 be changed to a 7, and have other bills added to

Yes, a 13 can be converted to a 7, but only if you qualify for a 7 based upon income issues. In other words, if the figures in the Statement of...

Can I add unpaid employee wages on my personal bankruptcy?

The general practice is for you to list ALL business obligations of the business in your own personal bankruptcy, and so that would include wages...

I have a question regarding section 524 for my mortgage

In the absence of a reaffirmation of a debt, so long as you listed the creditor in your schedules, your obligation to make payment of the debt will...