Can you assert your exemptions on each creditor. Or are you allwed only one exemption for life.

Exemptions apply to what you are allowed to keep. All creditors must accept your claim of exemption (if allowed). So if your home equity is...

If one filed Bankruptcy one year ago, how soon can you file again?

If yours was a no asset chapter 7 case, then just notify the unlisted creditor of you filing. Keep a record and perhaps even file a proof of...

Does it go against your Credit Score when you are late paying your Real Estate Taxes and Sewer Bills>?

Not likely. Most governments do not subscribe to credit reporting agencies. You lose your property if you do not pay, which is usually incentive...

Should i file bankruptcy? Most is hospital bills and most is 7yrs old.

The statute of limitations is six years from the last activity on the accounts, so given your facts, as long as you have made no payments in the...

Hire an attorney to try to extricate you from this mess.

Could my Future Interest in Real Property affect my chapter 7 bankruptcy

Mr. Adams is right. The term "future interest" has a legal meaning that most lay persons to not understand. You have an expectation of...

Can you tell me what the total owed is for the below agreed judgment. I have calculated it as less than the collection firm.

One cannot do the calculation without knowing when the judgment was entered. GA law would determine how one compounds, if at all, and whether the...

Filing Chapter 13, should we file before year end or wait until we get our tax return?

A tax RETURN is paper that you file with the government. A tax REFUND is the payment you get after filing the return. Most jurisdictions treat...

Filed Chapter 7 Pro Se, need to do an amendment but not sure what schedules I should File or if I can do an amendment.

While you are amending, you need to make sure you disclose that you are holding your tenant's security deposit. Most state laws recognize that the...

Am I liable for credit cards that i agreed to pay if I filed for Bankruptcy?

Technically, your bankruptcy eliminates your legal obligation to pay the creditors. Unfortunately for you, the divorce agreement remains in place,...