Ch7 bk discharged in 2008, did not reaffirm my mortgage. I have now been offered a hamp modification, does this reaffirm?

I would also like to add and would argue that the loan modification is just that, A MODIFICATION, of the original loan. You are not reaffirming,...

How long after a bankruptcy can a bankruptcy be filled

The question is that it depends on the type of bankruptcy you filed and the type you intend to file. In order to get a discharge in a chapter 7...

The debt is discharged just as any more f the other debts. Give them proof of the discharge and tell them to cease and desist attempts to collect...

Do I need bankruptcy?

You should definitely consult with a bankruptcy attorney who can review your complete financial situation and advise you more appropriately as to...

Homeowner Association named as co-defendant in property foreclosure – should we respond?

I agree with Mr. Benson that you should find a local attorney that can help you represent the association interests in this matter and other matters.

Do I need a consumer protection Attorney ?

Typically the 30 days begins at the time the letter is sent (the mailbox rule). This is not an FDCPA violation. If you are having difficulties...

What exactly is bankruptcy? going bankrupt?

If he filed a chapter 7 he may have his judgments and debts discharged, or wiped out, however the type of debt matters. Some debts such as...

Filled Chapter 13 Bankruptcy and had to include Internet provider, is my service going to be disconnected or need to pay balance

You should have been paying all your normal monthly expenses during your bankruptcy. More than likely they will disconnect not for the bounced...

I was discharged from a ch 7 in 2010. can i file a chapter 13 this year?

The length of time to file a bankruptcy goes from filing date to filing date. You need 4 years between the filing of a chapter 7 and the filing of...

Do I have any options besides bankruptcy?

You really have no basis for a quiet title action at this point. What I would recommend is you work on a deed in lieu or a short sale of the...