Credit report shows I owe bank, 2nd mtg was not included on bankruptcy chap 7 in 2009. What can I do?

Even though a creditor is not listed on your bankruptcy, the judges have pretty much decided they don't want to deal with reopening cases to add a...

If someone sold me an item they haven't finished paying for. And the cops get involved what can I do??

Some general legal concepts. He can't sell you anything more than he owns so if he wasn't yet the owner, you didn't buy the whole thing. However,...

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I think 2005 was before the more detailed form was used for reaffirmation agreements that now spell out exact amounts and fees. At that time,...

The IRS wants us to make payments that we cannot afford can they force us to accept the payment agreement of 1,000 to 1,500

Overall, the IRS has guidelines and can force a certain amount on you. The alternative is they go into collections mode and garnish your checks and...

If i have a wage garnishment in effect but filed bankruptcy on the same day as the garnishment am I entitled to those funds

What you are entitled to is governed by the pay period compared to the day of filing. Most pay periods are over before you get the paycheck. If the...

Is bankruptcy the best choice to restart our business?

Usually, working something out with the creditor is better than bankruptcy. However, bankruptcy does halt sales from happening and can also get rid...

The only time you would get out of the future maintenance fees is if someone else buys the timeshare. Your agreement probably discusses this...

If there's an asset to be sold, the trustee can keep the case open. You may want to convert to Chapter 13 in that event. If there's no asset, the...

What is a hearing for a credit card company judgment like?

If you don't dispute the facts, they get the summary judgment which then allows them to proceed to collections. From what you say they won't be...

Can I save home from foreclosure after bankruptcy chapter 13 goes to default (3 wks) that spouse filed before he went to jail ?

You have a few options. As an owner of the home, you can possibly do your own Chapter 13, but the mortgage company might object since you are not...