I need advice on how to properly complete a Chapter 7 bankruptcy form (no attorney) with home foreclosure also in the mix.

Well, aside from you definitely needing a lawyer for this, it IS that important, I will give you some answers here. 1. do not reaffirm the...

Hi there. The types of bankruptcy available to consumers are Chapter 7 and Chapter 13. Chapter 7 gets rid of unsecured debts, like credit...

Does the Fair Debt Collection Act really protect consumers?

You could also file a police report for harassment. Also, the FDCPA is located at ftc.gov, and you can file a complaint online there. You will...

I am filing bankruptcy and have also recieved a chut off notice from my electric company. How do I stop the shut off??

I agree with the attorney above 100%. To add to her info though, perhaps you can give the utility a small amount of money to avoid the...

Do I need a lawyer for Dept reduction?

Sounds to me like a scam. Kinda. Basically, what they are going to do is take your $790/month and put it into an escrow account. Then, after NOT...

Is my sister responsible for my mom's debt?

No, she is not. Consider having your sister appeal these debts through the ftc.gov website concerning the Fair Debt Collection Practices Act. The...

If I file Chapter 13 will it affect my fiance

No, it will not affect his/her credit The problem is, once you get married and live in the same household, you would have to count both of your...

Have 4 investment properties(sfh's) in default.How can i protect myself from shortfall judgements on those loans if foreclosured

In Illinois, try doing what is called a "deed in lieu" of foreclosure; which is giving the bank the property in return for them not charging you...

Is there anything we should do??

I agree 100% with Kevin above, I've never had a creditor come back for these items, especially on a deceased persons estate. Send the the...

My landlord is filing for bankruptcy - can I get out of the lease?

In my opinion, the property owner filing bankruptcy would not affect the contract you signed with him/her to rent the property. Therefore, the...