In 2005 just before bankrupcy law changes passed, I was rejected by a Washington State Volunteer Lawyer Service

You can have a "bankruptcy petition preparer" prepare your paperwork. They are akin to paralegals--they take the information you give and prepare...

Can the trustee take all our EIC?

How much of your tax refund you can keep will depend on the specific laws of AZ, or, if you have not lived in Arizona for 730 days, the Federal...

How will having a judgement against me affect filing my taxes?

The judgment creditor will not be able to garnish the tax refund. A garnishment is a suit directed to the government, and unless the government...

I live in Florida. Can I include private student loans in a Chapter 13 Bankruptcy and can they be discharged?

Your attorney is right on--student loans are not dischargeable in bankruptcy, regardless of whether the loans are insured by the...

Received foreclosure summons from Bank

Even if the original note is not found--and in Palm Beach County they manage to "find" the notes in about 80-90% of the cases--Florida law allows a...

Still confused about foreclosure and chapter 7. My house is now foreclosed (earlier this month).

Let me supplement Mr. Myer's answer by answering as follows: 1) the bank can ask the bankruptcy judge for relief from the stay--a rule that...

If my mortgage is discharged in a bankruptcy do I have to immediately give back the house or does the foreclosure cont. as was?

When you file a bankruptcy, a "stay" is created, which means all collection activity must stop, the stay is a federal injunction. The bank then...

We are defendants in a foreclosure, only because we docketed a lien on the property. Will this affect our credit score?

The correct answer is that credit reporting agencies will not make a notation that would lower your credit score. You do not owe the money to the...

Is a short sale better to do than let my home in florida go into foreclosure?

You have many, many options. Not a lot of them are going to be pleasant, but may help you get over this bad episode. For one thing, was the...

Let me supplement both attorney's answers: it is a good idea to obtain a report, but then you have to be in a position to understand what the...