No reaffirmation on a mortgage is not a mistake. Many attorneys consider reaffirming a mortgage malpractice. Why? You are making yourself...

It makes no difference. Mortgages are sold and/or transferred all the time and this has nothing to do with Chapter 13. Your Chapter 13 Trustee will...

Can I file a proof of claim......my ex-husband who filed for Chapter 7, he owes college tuition money that is part of our MSA?

You can file a proof of claim; however, if the Bankruptcy estate does not have any assets, there will be no money for you. Although the claim may...

You won't be able to claim an exemption since your name is not on the property. However, based upon the values in your question, factoring in the...

What are the downsides of filing for personal bankruptcy, would that impact obtaining visitor visas in future?

I know of no barriers for VISAs, immigration or citizenship if one files bankruptcy. However, one needs to be a resident of the USA to file...

Yes, absolutely. You can cancel with Freedom Debt Relief. Best to do so in writing. Look at your agreement with them with regard to the...

You need an attorney experienced with Chapter 11 and someone who represents creditors. Chapter 11 is an extremely complicated matter. Your attorney...

Chapter 7 - what happens to the second lien on a Trustee-abandoned property for which no proof of claim was ever submitted?

With the Trustee abandoning the property, the property is yours to do with as you wish. Mortgage liens survive a Chapter 7 Bankruptcy discharge....

Should I fire my lawyer, so I can save my home?

It is not easy to provide advice to you; there is much more information needed. Generally, my response to your situation would be that unless you...

Can i include a debt that is not mine in my chapter 13 plan because it has a lien on my vehicle?

Yes, the automatic stay will apply as a result of the Chapter 13 that you have filed. I hope you used an attorney to prepare and file your...