I filed chapter 7 in 12/08 with house discharged. Had many problems with current home and would like to move out. Need advice.

You are not personally liable, as your fact situation says the debt was discharged. Check with licensed New Jersey lawyer on your state...

What is a short sale exactly and do you need a down payment? I am currently renting a house going into short sale.

I have a video post on my mortgage blog explaining short sales and second mortgages, http://www.michiganmortgageattorney.com/?s=short+sale The...

Can the bank go after my deceased husbands assets if I default on one of two mortgages? My name is not on the mortgages.

Technically, I think you are saying your name is not on the note to repay the money, but you signed the mortgage pledging the real estate. I do...

My home is going to be foreclosed.

what chapter did you file? if chapter 7, and you did not reaffirm, your personal liability was already discharged. If you did reaffirm,...

What qualifies a couple to be able to file chapter 13 bankruptcy? I lost my job at the end of August and have no income at all.

I am not sure what the state foreclosure law for Florida is, but if one of you has regular income you can file for Chapter 13. If the house is...

Is a company required to inform its employees that it has filed for bankruptcy?

No, company is only required to notify creditors. A company can file where most of its assets are, or where its principal place of business...

Does a 109(g) dismissal follow to other states?

Bankruptcy is a federal court, unless the order of dismissal was restricted to a jurisdiction, to one area, the order applies to the debtor, and...

No deadline, there is a deadline for proposal of a plan, but that can be extended by the Court for cause. Cases can be withdrawn or dismissed, or,...

Question re response to: How long can we stay in our home without making the pymt if BK was discharged in May 2009?

Check with the bankruptcy court clerk, but most likely, your case was closed back in May, so the statute you quote would not apply, though it...

Can a collection agency garnish your spouses wages when the debt isn't theirs?

When you say "agency", who do you mean? Do you mean it was what we call re-aged on your credit report? That is, reported again with a new start...