By all means, you should respond, if only to buy time. If you can meet with a bankruptcy attorney before the response is due, you should do that...

If I owe medical bills do the collectors have right to cease money from business account of the company I owe ?

You need to talk to a local attorney about this. Generally, your accounts cannot be attached until a judgment is entered against you. Depending...

Should I file bankruptcy? And if so, which chapter should I file under, 7 or 13?

Based on the limited information you provided, it sound like chapter 7 would be the proper choice. You should consult with a local bankruptcy...

WILL I EVER BE ABLE TO REFINANCE MY MORTGAGE AFTER FILING A CHAPTER 7 AND DID NOT REAFFIRM MY MORTGAGE?

Some lenders are concerned that refinancing a discharged mortgage could be a violation of the discharge injunction, so you would do better perhaps...

Willful violation of Bankruptcy section 362 worth pursuing?

I take these cases with the understanding that we will seek recovery of my fees from the violator.

Is there anyway to get a mortgage after bankruptcy when you resumed mortgage, but not reaffirmed?

Most lenders these days will ignore a bankruptcy or foreclosure that is at least three years old at the time you apply. So you can either buy with...

11 U.S.C. § 521(e), What information is required to be included in the optional tax return transcript mentioned in this section?

You can also request tax return transcripts at: http://www.irs.gov/Individuals/Order-a-Transcript

If we did not re-affirm our mortgage in our Chapter 7 BK, can the bank put the foreclosure on our credit report?

The foreclosure is an indication of non-payment, which is what credit reports are for. While the debt was discharged in the bankruptcy, the...

I had a debt collector call me about a payday loan from aug 2007 in MI threat to serve me at my job for court. Is there a SOL

Statute of limitations is 6 years from the last payment on the debt, so you have another 17 months. Many of these payday loans are all bluff and...

Should I take the settlement offers, have everything paid off in a year OR should I pay creditors in-full with-in 3 yr period?

There is no simple answer here. First, be aware that debt forgiven through settlement will be reported to the IRS and will be considered taxable...