I live in Illinois I filed B/k about 3 years ago I did not reaffirm with my second mortgage I have now fallen behind.

The answer is yes they can foreclose. The question is would they? If they are not going to get any money from a foreclosure and sale of the...

To pay or not to pay mortgage.

To attempt a loan modification one must be behind on payments. They just don't give you a loan modification when you are current. If you want to...

Fines or criminal penalties are generally non dischargeable in bankruptcy, but an attorney would look at the court order. On the negotiation that...

Can my name be removed?

You need to speak with a bankruptcy attorney and or a tax attorney. Discharging taxes is complicated and you don't specific what type of state...

What income is considered too high in Illinois?

Income is one consideration here and I advise you speak with an attorney I can be reached at 312-924-0227. The other issues are assets that you...

Can the irs take my tax refund

Absolutely 100% yes they can.

Can I sell a non exempt Luxury car and buy an economy car before filing chapter 7?

You need to speak with an attorney on this issue, not over the internet. But I will give you a partial answer. A sale of property or transfer...

Will they still garnish my bank accounts?

Agreed for them to levy a bank account they need a judgment. If they have judgments then it is rather easy if they know where you bank. If you...

Student loans in garnishment, how does it affect new employer?

Agreed that you need to speak with the creditor regarding on any agreement to repay without garnishment. If you found a new job they can start...

Amend my bankruptcy or return?

You have to disclose all assets to the trustee in bankruptcy including a tax refund. If you didn't list it, you must amend the bankruptcy...