My husband and I have 6 kids and plenty of unpaid medical bills. We want to get a loan to own our own house, in North Carolina.

The bank will look at your debt to income ratio, work history and income to start. The amount you put down and amount you need financed are huge...

Can the court convert my ch. 7 to a ch. 13 because of a new job?

You may have an issue here and I wouldn't say it is impossible for the court to want you to convert to a 13. If you no longer pass the means test...

I agree, but would like to add that the answer to this question will differ if you are a contract worker or a regular employee. If you are a...

In texas if i owe both student loans and i owe taxes which one will get paid first when they take my tax refund away from me.

If the IRS intercepts your refund (takes your refund), they will use the funds to pay off the debt you owe them. As for the student loans, have you...

Filing Chapter 7 Bankruptcy forma pauperis??

I agree with the answers above and would like to add that many bankruptcy court's have free help desks. You can often find the location and hours...

I am a cosigner for a private student loan. If I get married would my new husband ever be liable for this debt?

No, he should not be liable. The debt was incurred prior to marriage and unless at some point in the future you consolidate and/or he signs a...

If I file for Chapter 7 Bankruptcy, will that have a negative effect on a bank's willingness to forgive any deficiency?

In a chapter 7, you can surrender the home and the bank will not be able to go after you for a deficiency. It will remove your personal liability...

Received notice from a collections agency for a generic outstanding citation in franklin county, TX, what should I do?

Unfortunately, there are a lot of scams out there and this may be one. Send them a letter asking them to verify the debt under the Fair Debt...

Trying to amend my bankruptcy ch 7 for section C how do i start

I can't speak about Nevada exemptions, but to amend your schedules you use the same schedules only you mark it as "amended" clearly on the top and...

Can I save my refund?

If I understand you correctly, you expect to get a small refund after the taxing authorities have taken out what you owe, correct? If so, the...