There are two budgets you file when you file bankruptcy. The Schedule B22A or means test also shows expenses, but only if you are above median...

Reaffirmation agreement, cooling off period

You probably will not hear anything from the mortgage company. In Tampa, and I suspect in Jacksonville (Judge Glenn in Jacksonville used to be in...

Are personal injury awards exempt in Chapter 13 in FL, I have already spent half the money and need to file Chapter 13 soon.

Personal injury settlements per se are not protected, though to the extent the award included compensation for lost wages there is an argument some...

Bankruptcy chapter 13 can it really dissolve the 2nd mortgage if the value of the home is less then what you owe on the 1st mtg?

This is a common procedure in chapter 13 now, and in Tampa is done by motion rather than a separate lawsuit in the bankruptcy. There is a form...

Is there an out after reaffirming a car in a chapter 7?

The bankruptcy laws allow you to rescind a reaffirmation agreement by the latter of 60 days after the reaffirmation agreement is filed with the...

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I have chapter 7 bankrupcty that was discharged on nov. of 2009. i did not reaffirm the house mortgage.

It is exceedingly rare for a mortgage company to request a reaffirmation agreement. I will usually only agree to them if the mortgage company...

We are in a chapter 13 and would like to convert to a 7 due to financial hardship. What would happen to my second. My first is

It sounds like you may have been attempting to eliminate the 2nd mortgage in the chapter 13 case, usually called a motion to strip the 2nd...

Motion for Judgement of Continuing Garnishment? What does this mean?

The motion is a request with the court to be allowed to continue garnishing the wages. The credit card company was supposed to send you a form to...

Can the mortgage company come after me if the house was included in my bankruptcy?

So long as no reaffirmation agreement was signed and filed, the mortgage companies were property noticed, and no objection to the discharge of...

Can someone loose their home is they file for Chap 13?

While Florida state law has an unlimited homestead exemption, if the person filing bankruptcy has not lived here 730 days another state's law may...