Consider the settlement options my colleagues point out. However, I'd further get on track with an income driven repayment plan for your student...

If your condo is paid off, I'd be worried about the equity you have in it. If there's more equity than you can exempt, notwithstanding the lien,...

The answer depends upon whether your bankruptcy is still open and whether your trustee has filed a report of no distribution or not.

Your issue's answer depends on whether the bank had notice, whether any assets were liquidated in your bankruptcy, and the law of your...

There's far too many missing facts. Did you consolidate your debts (which is a non bankruptcy procedure)? Or did you file chapter 13? If you...

Even without the contract, your continual use and payment for use of that credit card, under the common law, constitutes an open and stated...

I do a lot of chapter 13 work and have not heard of such document. Seek experienced, local counsel.

Your best bet is to seek good local counsel. It seems there's something missing, judges are very strict regarding service deadlines, which are...

Not a problem, you're no longer obligated to pay the debt anyway. As long as they're not proceeding against you and attempting to assess your own...

As long as your phone expense isn't significantly less than the budgeted phone expense on schedule J, should be fine.