My Chapter 7 BR was discharged in Feb 12. My mtg & HELOC was included in the BR. Paymts are current. What are the bank options

Your discharge wiped out your personal liability for the debts, even though they are secured to your real estate, as long as you did not enter into...

Can the bank take my business equipment or put a lien on my business bank account?

As a sole proprietor, there is no distinction between you and the business. What you own in the business and what you owe in the business are...

Depending on the laws in California. they may have to take steps in court before they can garnish wages. In Ohio, for example, a judgment becomes...

I have alot of debt. and due to changing jobs i do not make much money now. A judgement is in progress against me.

If you are only dealing with one creditor, you may be able to work out some payment arrangements with them. If you have multiple creditors, it is...

If I file bankruptcy can I file agenst the collection agency if I don't know the creditor's billing address or phone number.

I would suggest checking your credit history, your records and anything else that you might have available to get a proper address for the...

I owe $65 K in Defficiency balance from the short sell can I qualify for Chater 7? I make 90K

In order to determine whether you qualify for filing under Chapter 7 needs more information than that which you have provided, and more than could...

Am I and my current wife financially liable in a foreclosure that she has no legal obligation to and I discharged in bankruptcy?

Based on the information provided, it appears that neither you nor your current wife would have any liability for the debt underlying the mortgage....

The discharge eliminates the personal liability for the debts, but it does not eliminate liens. If a creditor has a lien, either consensual or...

The house I'm renting has apparently already been foreclosed and the auction ordered. Does my landlord have any option?

If neither member was aware of the foreclosure, it may be that the foreclosure complaint was not properly served. If that is the case, the...

We are in a Chapter 13 in Ohio but the payments are too high, what will happen if we chose to walk away?

You can either dismiss your chapter 13 or convert it to a chapter 7, presuming you qualify. I would recommend speaking with your attorney and...