If I am having my wages garnished by a collection agency, can another collection agency just drain my bank account?

Creditors can garnish wages, freeze bank accounts or other assets and put liens on real estate to all help satisfy their debts. This is all...

I am still under chpter 13 can I rent an apartment?

yes you can rent. You need to find a landlord willing to do it though. If your budget changes, insomuch as you cannot afford your bankruptcy...

If your case called for adequate protection payments, then those funds may have already been sent to your secured creditors. You would not get...

What happens after you make your last scheduled payment on a chapter 13?

Once you make your last payment, the trustee will audit your file to make sure all the payments have been processed. You will need to complete...

When my credit card and auto loan are cross collateral, am I supposed to list both as secured debt? Any way to get out of this?

A redemption is where you would pay a lump sum to buy the car for fair market value. Any remaining amounts owed above that are discharged in the...

I filed chapter 7 and have a car lease with a cosigner can he take my car if I don’t make payments?

The car will still be in your name, and the bank maintains your lien. You and the cosigner are both still the owners, but only the cosigner will...

So I received notice that the Lender has filed for Relief under the Automatic stay and we go to court June20

Bankruptcy Rule 4001(a)(3) provides for the effective date of such an order to go into effect after 14 days. Please note that the creditors also...

Are there rules that cover how close to the end of a Chapter 13, when you can still convert to another Chapter 13 or Chapter 7?

There is no time line for when you must convert to chapter 7, as long as the chapter 13 case is still open, you can convert any time if you are...

How do I handle large credit card debt incurred in 5 week by spouse who was under physical distress?

If you file for bankruptcy, the lender is likely to object for recent usage. I usually advise clients to make minimum payments on the account, to...

My chapter 13 is deing dismissed 4 none payment but my co-debtor didnt know i filed can he file on get the car ?

if the co-signer on the loan qualifies for chapter 13, they can definitely file to get the car back. The issue is if they can file soon enough. ...