You still owe the creditors and they can sue you to recover the debts if you do not pay. You did file a bankruptcy, so the credit report will be...

Is it legal for GE Capital Bank to charge a late fee if you are only one day late with your payment?

There is no legal about it. You have a credit agreement that sets forth the fee schedule. You agreed in advance that you would pay a late fee...

How do I file a motion to reopen a BK case to file an amendment? I need to file an amended Statement of Intent. Examples?

I agree with Mr. Starrett. The statement of intent is not binding. It is included in your filing to give your secured creditors a clue about how...

Can you give a brief example of when the Contingent, Unliquidated, and Disputed options on Chapter 7 Schedule D are used?

Say you were in a car accident with another vehicle yesterday. And assume your state law says only the "at fault" driver is responsible for...

Can debt collection agency garnish my wage if the judgement was made in Texas and I resides, work in California?

The Texas judgment can be certified in any state, and can be enforced according to that state's laws. So even if garnishment of wages in TX are...

Are payday loans part of the repayment plan of a chapter 13?

Yes, all the debt needs to be included. But he only has to pay what he can afford, which could be pennies on the dollar. An attorney would be...

Can I charge a $25.00 late fee on a judgement owed me that I have been receiving payments on since Jan. 2012

You need to look at the law in OR. If it allows settlement judgments to contain any terms, then you judgment terms will determine what you can...

Can you reaffirm a debt to agencies you really don't want to file bankruptcy on, once bankruptcy is filed

When you file bankruptcy, you need to list all debts. And it makes sense to discharge all of those that you can. Emotional connection to a debt...

I filed chap 7 pro se. I have honda lease w/ 2 years left. Hearing for reaffirmation is 3/25. Will this delay discharge?

The discharge should issue absent an objection. Your reaffirmation hearing is totally separate from the discharge decision. However, the idea of...

My ex spouse has filed bankruptcy and claims he cannot pay me the settle ment he still owes me.

Chapter 7 or 13? Some domestic settlements can be discharged in a chapter 13, most cannot be in a chapter 7. Some trustees will go after the...