Hi, I filed or chapter 7 in Jan 2014 and had 341 creditors meeting in feb 2014 that went smoothly. I just received a letter

You really need to hire an experienced lawyer to help you. It is worth the cost now that Wells Fargo has offered a loan modification. The savings...

Can SSA take part of my 2013 Federal refund if they did not notify me of a past debt (over 30 years ago)? Is there a statute?

Federal agencies use the Treasury Offset Program (TOP). When a person owes one federal agency (like the SSA in your case) and another federal...

Can personal bankruptcy help with an auto title loan and pending repossession ?

If you have family/friend that will help you, a chapter 7 might be a good option. You can redeem the car by paying the lender the value of the car...

How will a foreclosure or repossession affect my credit in my special situation?

I think the pecking order for damage to your credit score as it relates to a mortgage loan is: short sale, deed in lieu of foreclosure, foreclosure...

Bankruptcy chapter 13 and a HELOC on a property in Ohio

Getting a short sale approved is a lot of work. The first mortgage won't agree to take less than the full amount if the HELOC is receiving more...

Best way to approach creditor that was left off bankruptcy?

The other lawyers that posted answers to your question are correct. With a no asset case, even inadvertently omitted creditors are discharged. You...

You must file with court a formal answer within the time the court gave yu to respond. If you don't then you will loose by default. Once you've...

I have a judgement from 2009 that was placed on my property this week that I had no knowledge of.

You might be able to have this judgment set aside. You will need to hire a lawyer so that he or she can file the appropriate paperwork to ask the...

If you are making monthly payments toward a bill how can a warrant be issued against you?

Since you're in Tennessee like I am, I assume you're talking about a civil warrant in general sessions court. Unfortunately making payments toward...

A company holding a Judgment is out of Business for three years

In Tennessee, the judgment is only valid for 10 years unless it is renewed. Since the company is out of business then it is unlikely to be renewed...