How do I figure out my Chapter 13 payments if I am under the median family income level?

First of all, why do you want to file a Chapter 13 instead of a Chapter 7? Are you behind in mortgage payments or have you already filed a Chapter...

Can I drop ch. 13 plan after catching up on arrearage mortgage payments?

In most Chapter 13 plans the unsecured debt is a reduced percentage. In some Chapter 13s the unsecured debt in the plan can be as low as 10% with...

Collection letter from debt collector

Mr. Ellie's answer regarding the debt is very good. As to regards the second part of your question, you should contact the credit reporting...

Do I have to disclose personal injury settlement in bankruptcy?

Yes you would have to disclose the personal injury proceeds on your bankruptcy petition. Question #2 on the Statement of Financial Affairs asks...

Is it possible to not qualify for either Chapter 7 or Chapter 13 Bankruptcy due to loss of high paying job?

Many people have the same problem you are facing and I always feel so bad when I tell them I do not have a good option for them. If you don't have...

Should I investigate bankruptcy now or wait until a good reason to do so.

I think it is definitely time to seriously consider filing a bankruptcy. All that bad credit is sitting on your credit report. Even if some of...

After a bankruptcy if I do not reaffirm mortgage and then later get foreclosed, am I responsible for the deficiency judgement?

When you file a bankruptcy and don't reaffirm you still get to keep your home as long as you make your mortgage payments. When you stop paying...

I was served a Civil Summons for a credit card debt. It looks fake, with no county seal.

The best way to find out whether you were served is to call the clerk of the court, give them the case number and/or the name of the case. They...

The creditor usually has to hire an attorney to prepare documents which must be filed with the court. Setting up the hearing is just a routine...

I was sued by a collections agency and paid the judgement over 2 years ago

The judgment won't be removed from your credit report for many years but it will be marked as satisfied. That's almost as good as having it...