Am I able to keep the house without paying second mortgage?

If you don't pay the second mortgage it will just balloon with interest. While it is true you personally are not responsible for the debt the...

Can I get my student loans discharged?

I would have to agree that for most people you have to be disabled to qualify for the undue hardship of a student loan. However some of the...

Filing Chapter 7 when receiving tax return and relocation

I also have problems since the question is not clear. The exemption for a home in Kentucky is for what you use as a home so you can use the full...

What is a Surreply to Motion for Summary Judgment in a Foreclosure?

A surreply is a response to a response. The Mortgage company files a motion to enter judgment. The homeowner responds (files a response) and...

If I have to make payments over time on a judgment, can I still pay more at any time to get balance down?

Of course you can always pay it off early and the earlier the less the interest and attorney fees.

Can a creditor came to my house to collect a debt, It is cash express, I have ask them if I can make payment and they told me no

Absolutely correct in that they have to get a judgment to collect by garnishment first. However they have to pay an attorney to file the lawsuit....

After paying a debt will I still have to go to court?

If you just pay the debt the attorney for the lender may not be told about the payment. The attorney may issue a garnishment or worse. Be sure...

BOA has set #s for reinstatement.Do i pay & make double pymnts for 6 months or best to hire Atty to go to littigation.

Generally you have 3 options file a Chapter 13 bankruptcy and catch up over time, litigate or catch it up on their terms. If BOA will not give you...

Does Disability income affect the means test?

Yes it does have to be included but you are also an expense to him not just an income and since you have a separate home it all cancels out. It is...

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My husband refinanance our home without me signing the loan.now we are in forclosure and my name is on the document(foreclouser

You are probably on the deed and you are probably not on the loan. They still have to sue you to obtain ownership of the property since you are on...