I owe more on my house than it is worth , if I quit making mortgage payments I guess the bank will foreclose,

You have two excellent answers above this one. But I wanted you to know that banks will often offer "key money" or "relocation money to mortgage...

House that I am living in is now in forclosure. Now landlord wants me to sign a one year lease. Pay rent month to month.

Mr Conway is right. Your landlord is in a weak position. You can negotiate a good deal on the rent. In fact, if you don't pay any rent, what's...

Would sending out a DV letter to each and every CA or attorney debt letter be advisable?

I agree with Ms Bunce above. Collectors are highly automated. Your DV letter is a bug on their windshield. Save your postage and lay low. ...

Fell I will be sued for credit card debt in the not to distant future

You are right. They not only can't they touch your SSD, they can't inconvenience you by freezing the account either. However, you MUST keep the...

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Fell I will be sued for credit card debt in the not to distant future

You are right. They not only can't they touch your SSD, they can't inconvenience you by freezing the account either. However, you MUST keep the...

I filed Ch 13 because I was in arrears on my mortgage. I want to convert to Ch 7 but the arrearge is not yet paid. Can I pay+

In other words, stay in the 13 'til your arrears are paid up. You did remember to put paying off your arrearage first in your Chapter 13 Plan,...

I secured a car loan for my daughter. she has made the payments on time for over 12 months. I am thinking of filing chapter 7

I must respectfully disagree with Attorney Ashman above. Assuming that your daughter's name is only one on the title and that you are merely a...

If banruptcy papers were filed stating I wanted to re affirm a car debt.but instead decide to sell. Can this be done

Yes, you can sell. But you will have to get the Trustee to "abandon" their interest in the car. I assume that you are in a Chapter 7 Bankruptcy. ...

You should demand that the Plaintiff's case be dismissed "with prejudice." That only means that this particular Plaintiff can never bring this...

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Collections

Student loans are very easily handled in a Chapter 13 Plan. It's true. And if you can possibly afford to pay a loan off in 5 yrs or less, then...