March 31, at 9:30 a.m. the sale of my home scheduled along with 5 other sales for the same time. My stay in effect at 9:39 a.m

I am unclear as to what you are saying. What time did you file your bankruptcy petition? What time was the sale conducted?

My question is regarding after I filed my "answer" to foreclosure notice

You were served the foreclosure summons but I am not sure if you probably answered the complaint. Furthermore you would have needed to file any...

If I had a judgement against an old loan can I still file bankruptcy on it.

If this is a personal loan yes, if there is a judgment and you own real estate there may be a judgment lien you would need to remove if allowed,...

Is a short sale the best route to take after chapter 7?

Post Discharge you would want the property out of your name but why not just move (when you do) and then offer them the deed in lieu of...

What are you paying for over the phone?

Respa QWR timeline.

The QWR is not the way to go. As of January 10, 2014 the CFPB (Consumer Financial Protection Bureau) implemented new regulations on servicer's...

How much cash is protected in a chapter 13 bankruptcy in illinois?

In Chapter 13 you keep all your assets. You propose a Chapter 13 plan of reorganization and how much you need to pay back depends on what is...

Can joint credit card debt be discharged in a chapter 13 where the co-debtor is NOT seeking bankruptcy protection?

First of all the co-debtor can only file a Chapter 13 with you if he/she is your spouse. Next you state that the co-debtor is on title to another...

My Chapter 7 Bankruptcy was finalized at the beginning of this year, Now my Creditor is trying to Garnish my money again.

You can retain a different attorney but do you have a copy of your petition and schedules. Did you list the creditor?

I have renters in a house I own. What percentage of taxes should I expect to pay in Kane county illinois?

Go down to the Kane County Tax Assessor and get a copy of your tax bill.