I concur, and add that many mortgage companies (PHH, and Ocwen) are just too incompetent to offer or deliver reaffirmation. I dont even bother...

If your district allows it, you may be able to reopen and reaffirm. Though, the only real benefit of reaffirmation (aside from credit benefits)...

The other attorneys are correct. I think this is a scam too. Call that number and ask them info about the case, you have the complaint or...

Only other thing I'd say is this. Placing someone on your schedules (at least in my jurisdiction) has no substantive effect on the nature of their...

This is a litigable question. It's not as simple as "yes", or "no." There is an exception to discharge for debts where the underlying...

I don't know of a Darryl "Chemko". I know of a Darryl Chimko, that used to have a similarly situated office. But, he did creditor work and...

It may help to answer my question: Are you saying that an agreement for 15k of debt was filed with the bankruptcy court to agree that a debt was...

My colleagues offer wonderfully accurate advice. This is a gray area, which is dependent on caselaw interpreting the definition of "disposable...

I'd be sure to also explain some things about the asset on the schedule (beyond the general nature of the asset), i.e., that it's an asset that has...

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This is a landlord-tenant issue, I have moved it to that forum. Best of luck.