Our bankruptcy was discharged. We did not reaffirm the mortgage. If we vacate/abandon are we responsible for property

Before you just vacate the property, contact the mortgage company and try to negotiate what is called "Cash for Keys". They pay you cash and you...

I live in michigan and it is not a community property state can my wife be held responsible for a credit card debt

Not unless she signed the application. I have seen some creditors try to go after the spouse claiming that the spouse incurred the debt, but that...

Moot means that there is no longer an issue to decide. Lets say that the person has had 2 bankruptcy cases dismissed in the prior year and files a...

Is it true that in the state of IL your utilities cannot be shut off if you're in a bankruptcy?

Bankruptcy is Federal law and therefore every state in the union has to abide by the bankruptcy code. Specifically 11 U.S.C. 366 of the bankruptcy...

Do I have to include my back taxes owed in my chapter 13 bankruptcy?

Yes, you are required to list all your debts in any bankruptcy. Chapter 7, 11, 12 or 13.

If I started to file chapter 13 but want to change to chapter 7, is that possible?

I think the most important factor in deciding on an attorney is that attorney experience. Many attorneys do bankruptcy law as a side line and do...

What are the chief differences between Chapter 7 and Chapter 13 bankruptcy?

This is what I tell all my clients: Chapter 13 is the best bankruptcy to file for several reasons, in fact one of the bankruptcy scholars has...

What is the law for getting a new mortgage if your current mortgage was discharged but never foreclosed on?

A client of mine just went through this ordeal and was approved for the new mortgage. You need to seek out a more knowledgable loan officer.

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