What is required to file a negative report on someone's credit report in the United States?

You do need to be a subscriber and its not quite that simple. The consumer reporting agencies, Trans Union, Experian & Equifax will explain but...

Married and filing for b/k in Illinois where I have lived the past year while my estranged wife lives in Arizona with kids

Its not a simple answer. You do need to sit down with an experienced bankruptcy attorney. We are in the West Loop and do offer a free...

I currently have a chapter 13 bankruptcy, but am considering turning it into a chapter 7, but am not sure on some of the details

Too complicated for a simple answer but (1) though bankruptcy is federal law there are State Exemptions used in Illinois and in Illinois you are...

They do not have to hold off and be careful of "dual tracking" where they are proceeding with the foreclosure while at the same time letting you...

I've forgotten about the condo, can the mortgage company come after my traditional ira?

Like Mr. Epstein said IRA's would be exempt in bankruptcy, is there any other debts or any other reason to consider filing?

What does an attorney refer to as a secured loan modification?

This does not make sense. I am not sure what a "secured loan modification" is. Verbal numbers mean nothing. You say you filed a BK 13 but your...

When is it time to explore bankruptcy?

Right now. May attorneys offer free consultations. Take advantage of that.

Deed in Lieu Documents signed over 2 months ago -- can Bank now change it's mind?

This makes no sense. If you had an agreement for a deed in lieu of foreclosure that would be in writing and what does it say? Do you have the...

What defnes a secured loan modification

Your question does not make sense? Verbal meaning secured? Lenders do not charge for loan modifications. Who did you pay money to? Sounds like...

Is my traditional ira safe from my mortgage company, and can I purchase a condo ? I surrendered my home.

Are you trying to buy the Condo now from money from your IRA?