How does chapter 13 work

Chapter 13 is a payment plan bankruptcy. It allows you to consolidate all your debts and repay them through one monthly payment to a local Chapter...

If I have recieved an affadavit judgement against me and was never personally summoned, can I file for a dismissal?

You can file a motion to vacate the judgment and seek a new trial. Although you can do this on your own, you are better off hiring an experienced...

After a death, Will the creditors come after the family members for a large house loan debt in the state of texas?

If the house is sold via a probate estate or without, the mortgage is paid off from the closing. If the house for any reason is never sold, the...

I want to file my income tax before my chapter 7 case is discharged...

I assume that you are referring to your refund for tax year 2011? If you have properly listed the forthcoming income tax refund in your...

We are facing foreclosure sale in April 2012 on Oregon property we are 10 months behind payments.Is filing bankruptcy better?

The Question and Answer section of AVVO has great value for consumers and for us attorneys. However, a situation such as yours cannot possibly be...

If this is all the debt that you have, if you have someone that can help you pay off this debt as a lump sum less than the full amount ( 60 to 85%...

Chapter 7 Bankruptcy waiting period for buying a house

There is no "waiting period" to buy a house after a bankruptcy. However, as a practical matter, most lenders will not consider you for a mortgage...

I filed Chapter 7 in 2009, and was given a joint Visa bill in my divorce from 2005(which was included in the bankruptcy).

The divorce decree controls. I assume that the decree provides that the Visa bill was to be paid by you and that the decree contained a hold...

Should I pay taxes/insurance on my home in PA that's now delinquent?

Keeping the property insured can have some value to you in case someone is injured on your property; you would have liability insurance. Paying the...

I filed chapter 7 almost a month ago & signed a statement of intentions to reaffirm my car but recently changed my mind...

There is nothing to worry about here. If you do not want your car, and are concerned about being liable to the vehicle finance company for a car...