I am married with no joint debt. I may have to file chapter 13 for mortgage deficiency. That being said,

Hello. If you still own or have possession of the property you may still be able to effectuate a Chapter 13 that will have the legal effect of a...

You are capable of filing a Chapter 13 as discussed. In certain circumstances, contributions from family are acceptable to assist in completing a...

My foreclosure went through 6 months ago, but i have a heloc that is still on my credit report, what should i do?

Your chief concern should be the unsecured loan that you could be sued for. If you send a dispute to the credit reporting agencies you may see it...

Bankruptcy Question

It is property of the Bankruptcy estate if it is not covered by your exemptions. Please err on the side of caution and disclose everything properly...

I filed a chapter 7 back in Jan 2008, can I refile another one or no?

You must wait 8 years. Filing a Chapter 13 now on a 36 month repayment at a minor percentage to unsecured creditors would be fine. However, paying...

First off, please work things out with your parents. If the loan created joint and several liability which the majority of private loans do, then...

Been out of work since Sep. 2010, but need help with a court appearance - being dragged into court by credit card companies-HELP

File a complaint with the Illinois Attorney Generals office. Karen Sullivan is one of their senior Attorney who handles bogus debt settlement...

If real estate was surrendered in Chapter 13 bankruptcy but nothing was signed w/the mortgage co. is it still my responsibility?

If the property was surrendered to the lender and the property is then sold for an amount that does not cover the deficiency balance then your...

I am in Illinois. My foreclosure was in 2014. Personal service was not obtained (Publication only) & no appearance was filed.

Section 15-1508 of the Illinois Mortgage Foreclosure Law states that a deficiency may only be had against that individual who was personally...

I make 85K a year and have 155K in unsecured debt

Good Afternoon. Qualifying for a Chapter 7 is optimal. In a Chapter 13, depending on your necessary expenses, you could attempt a low percentage...

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