HARP Modification finalized in 3/10 via a 5-year graduated rate; Chapter 7 discharge in 2/11.

HARP is refinancing. HAMP is modification. Other than your headline, it seems as though you have a HAMP modification. I definitely agree that...

AFNI, a collections company, is trying to collect on debts from 1998 and 2003--will this effect my credit report?

DO NOT PAY ANYTHING! These debts are too old to collect, but if you resurrect them by paying even one cent, you start a whole new statute of...

Why are we suddenly getting letters and attempts to collect depts after our Chapter 7, which was discharged in 2008.

You can reopen your chapter 7 case and file a motion to find the collector in contempt for violating the discharge injunction. Since there is no...

Write a letter to each creditor that requests payment explaining that your father passed, had no estate, and there will be no probate and no funds...

Can my dad be sued?

What happened to the goods the person bought? If your father kept them, he should refund the money. If he sold them for more, he should refund...

Lawyer in bk7 reaffirmed 2nd mtg but not 1st. Can I "walk away" from 2nd mtg but keep paying 1st?

You need to contact your chapter 7 attorney and see if you signed a reaffirmation agreement on the second - I find it very hard to believe that you...

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If you file a chapter 7, you will need to be current on the car. If you file a chapter 13, you will have to have an income stream sufficient to...

How difficult will it be to get a home loan after filing bankruptcy?

You can convert your chapter 13 to a chapter 7 and surrender the house. You should discuss the ramifications of this with your attorney to...

If I am in a chapter 13 plan and am current with my payments and my husband receives a 15,000 bonus do I need to report it

His income would not necessarily be an issue in your bankruptcy. If you filed jointly, the other attorney comments are correct. But if it just...

Do I need to pay this debt?

Putting aside the question of why you would buy something when you could not pay for it, even if it was a secured debt where the lender could...