Bk7 discharge....the Note and Mortgage are different instruments.

Yes, it's called a "lien" against your title. If you stop paying pursuant to the mortgage agreement you give the lender grounds to enforce the...

My daughter declared bankruptcy 2 years ago she thought she was not including her home now she finds out her home was included

Why is this a concern? So long as she continues to make payments and adhere to the other requirements of mortgage agreement she can keep the home....

Redeeming means payment in full so even you had chosen to redeem the vehicle you would still have to pay a lump sum. It's up to the lender what...

Do i owe the mortgage company if i didn't reaffirm my loan when filing chapter 7 bankruptcy?

No, so long as the mortgage debt was properly scheduled, it was should have been discharged. It wouldn't really matter anyway because Minnesota is...

You can certainly try to do a deed in lieu but it's entirely up to Wells Fargo. My guess would be that they would rather do that than go through...

This former acquaintance now filing Chapter 7

There is nothing preventing her from paying you back, but yes, you cannot collect from her. Perhaps her circumstances will change and she will want...

If I am going to file for bankruptcy, how would I handle consumer debt collectors that are filing a lawsuit in the meantime?

If you have decided on bankruptcy, there is no point in making payments on debts that will discharged in bankruptcy. Find a bankruptcy attorney...

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Cost for Chapter 7.

$2200 is on the high end of average. The average fee for a Chapter 7 in the Twin Cities is around $2,000 filing fee included. I would not trust...

What happens if I decide not to reaffirm a TV, with Best Buy? Also, some of the items were destroyed by my wife during a fight.

Let me guess, you received a letter from Bass & Associates requesting that you reaffirm, redeem, or surrender the items your purchased with your...

Does a loan from my company to me count as income in chapter 7 means test?

I agree that you need to hire an attorney. I have done a number of personal bankruptcies for small business owners and what you said in a few short...