What is a CPN number?

With a Chapter 7 discharge, is a secured creditor allowed to continue seeking a judgment against me in a local court?

Any part of the suit that ask for you to pay money is stayed by the bankruptcy. The creditor needs to get permission of the court to go after the...

Selected as the best answer

What do you call it when an ex spouse uses a previously held joint account after the decree states not to do so? Is it fraud?

It is contempt of the court which ordered that the ex-spouse cease using the account. It could be criminal if the lender wanted to prosecute.

Does the bank have to unfreeze my account once I file bankruptcy? How can I ask the bank to do?

You can file a motion to find the creditor in contempt, and ask for your attorney fees pursuant to 362(k).

Filing: chapter 13 bankruptcy; found that papers were not properly filed, and is an unsecured mortgage.

When I had a client whose mortgage lender failed to properly file its mortgage, I proposed that the home be sold to satisfy the creditors, while...

Can lender offer a loan modification thats on a foreclosure and trick u into reaffirmation

No. The modification does not resurrect your liability. Only a decision of the bankruptcy court can do that.

Our tax refund has been off set by the default in student loans last few years

Yes. In fact, as long as you are getting a refund, there are no penalties for putting off your filing even longer.

The HOA attorney is charging us legal fees for work done for representing the association as a defendant in our foreclosure.

You need to look at your HOA by-laws. They probably allow for the attorney fee add on. Just because the foreclosure was closed without prejudice...

Is there a way to require my mortgage co to report payments to credit bureau? Primary res errantly included in BR.

Get a payment history from the lender. Then dispute your credit history, providing a copy of the payment history from the lender. It can't deny...

Can I finance vehicle when I owe 2000 to a collection agency due to medical bills?

It is up to the lender to decide if it will loan you money with outstanding medical debt. Since it is 13 years ago, it should not be showing up on...