I went through bankruptcy three years ago. I tried, but couldn't keep up with house payments. Now, the house is in foreclosure

NO, the bankruptcy eliminated the debt. The lender can only take action to recover the property, and would be in contempt of the bankruptcy court...

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Chase credit cards and Chase Bank are probably different entities, and cannot offset one's debt from deposits of another. That being said, you are...

When does garnishing stop when you file for a chapter 7?

As soon as the IRS gets notice, it should stop the garnishment. And it should undo the garnishments that occurred after you filed. If the IRS...

Should an attorney try to bill me for a bankruptcy that was not filed?

You took up quite a bit of your attorney's time. That is what we get paid for - our time. So it is eminently reasonable that you would be...

Can I discharge a college debt that is not a student loan but was a pell grant?

The bar on discharging student loans also includes the repayment of benefits. See 11 USC 523(a)(8)(A)(ii): an obligation to repay funds received...

Can you catch up on Mortgage payments prior to filing chapter 7?

Generally, yes. If you have an aggressive chapter 7 trustee, there could be issues, so you should consult with local counsel to assess this.

Chapter 13 Motion to Retain Tax Refund "how-to"

Consider dismissing your current chapter 13 and filing a chapter 7 if you now qualify for a discharge, or a new chapter 13 based on your current...

I need to file bankruptcy, I have Federal student Loan debt with garnishment of 600.00 monthly. I'm in financial hardship.

If you cannot work something out with the lender directly, a chapter 13 would allow you to set reasonable payments. Hardship discharge of the...

Bankruptcy and foreclosure

You should offer the lender a "cash for keys" arrangement. You get cash, it gets keys. You give up the rest of your redemption period, the lender...

Can a debt collector call my in-laws and disclose that we owe a debt as well as the amount of that debt?

They are pretty much limited to requesting information about how to contact you. Talk to a Fair Debt Collection Practices Act (FDCPA) attorney to...