Is it better to pay the servicer's attorney to reinstate or wait for a decision on a modification?

Modifications usually take MUCH longer than people think. As homeowners await a loan modification, the arrears pile up, eventually becoming an...

If I let a house go into forclosure can they sue for my Promissory note

I believe North Carolina is a non recourse state, meaning mortgage companies cannot come after mortgagors for their primary residence. Here, this...

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Who do we reach out to for cash for keys after bankruptcy has been discharched?

I agree with Attorney Caldwell. If you must move (for whatever reason) you should begin by contacting the attorneys representing your mortgage...

Chapter 7. What is proper way to describe my leased car (creditor and the car itself) on a bankruptcy petition

I agree with my colleagues. Schedule B - Personal Property, Schedule D - Secured Claims, Schedule G - Executory Contracts, and the payment...

Chapter 7 means test, how do I explain my rental income. There is a rental prop section & a secured debt section. I lose $200/mo

The means test can make or break your case - especially if you are over the mean. You should not attempt this by yourself - over the mean with...

Bankruptcy chapter 7. Have deferred comp plan via employer. protected like 401(k), right? It is secondary retirement. work4city

Many states have unique exemptions - some give you a choice between state and federal exemptions. The most common question here on Avvo regarding...

Can child support arrearages (approx $900) be taken from BOTH my state and federal tax return or just the State?

Generally, both your state and federal tax refunds are subject to set-off to any child support arrears. I hope this...

Taking my wifes state tax refund to collect my debt?

You should work with an experienced attorney. If money your creditors are taking is exempt, you need to properly file your objections to bring...

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Short sale or foreclosure?

I agree with my colleagues. Foreclosures are a product of state laws - each state has different rules, and can provide VERY different outcomes. ...

62 yrs old. I lost my job 2 years ago. As a result, i have been living on unemployment and my savings.

You never really asked a question. I do think you can find a well qualified attorney to help you resolve - or alleviate - this situation. Look...