You are required to file a Statement of Intention with regard to secured debt, an provide it to the secured lender. If you do not redeem or...

Is a civil judgment creditor considered a secured creditor on Fl. 13?

No, and if there is a judicial lien, it can usually be avoided. Your attorney will know once you provide details.

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I have paid $3000 over my base plan in ch 13 but they say i am behind...how am i behind

If you missed a payment or your plan was extended, that changes the base. Also, pre-confirmation payments may not be part of the base.

Married Spouse filed Chap 7 Sept 2013 meeting was in OCT Trustee wants to hire apprassier

Your lack of proper grammar makes your statement difficult to follow. This is your spouse's case, and her attorney has been contacted to get...

Will me filing for bankruptcy effect my tax refund?

Your attorney can advise you on how refunds are handled in your local bankruptcy court.

Chapter 13 and expenses work sheet

Your credit life policy is not an asset - it is a benefit to your creditor. You definitely need to correct the expense figures as that will affect...

How serious in bankruptcy chp 7 is Failure of Trustee to send me a certificate of service ? Is this a violation of my rights?

The certificate of service is filed with the court to tell it you were served. It does not have to be served.

D I have a questions about Chapter 7 bankruptcy and the federal wildcard exemption.

Sounds like you might have enough wild card to protect the cabin. Your circumstances are too complex to get meaningful advice from AVVO attorneys....

A civil suit has been filed against me from 2001 I never had a contract or familiar and I filed bnkrpty in 2013 what can I do?

Defend the civil suit by claiming the statute of limitations has expired and the debt is not actionable (as well as denying the debt), then move...

Mortgage was included in Ch. 7, 5 years ago & didn't reaffirm. Can I get another home loan?

Yes. It is up to the various lenders as to whether they will loan you money. Most are ignoring bankruptcies that are more than three years old. ...