How can I get this off my credit report, or close it altogether, without payment?

You have a pretty good argument that you surrendered the property back and they waived their right to collect on it, but it will come down to...

I need to know if a tax lien from 2009 can be take off in a bankruptcy Its for 16000 and I own nothing and dont make much money

In bankruptcy, you list your assets including cash and any money in the bank. The total amount listed is what the lien will be worth. That amount...

How do I get an incorrect debt removed from my credit report?

I would start by trying to figure out if someone's actually trying to collect this debt. It's been a while and maybe the original bank decided not...

Renewing a judgment is fairly cheap so it's often done just to preserve future options. Any one creditor can do anything so it's hard to predict...

How I stop my credit score going down? How I deal with credit card company so my credit score don't go dowan?

I think the credit card is the more dangerous thing to deal with. Once you get that card out of your name, then the credit report should get better...

If your income on the means test is negative, you get a presumption that a Ch.7 should go through. Then everyone looks at whether you are keeping a...

This answer got more complicated recently. Normally, the look back period is whatever the length of time is for the Uniform Fraudulent Transfer...

A homestead exemption is supposed to apply to a residence only and not be carried over to other property. NJ exemptions laws are discussed here:...

Do court requires my presence after a collection settlement lawsuit

If the other side's lawyer is doing everything he/she should, some sort of notice gets filed with the court dismissing the case and showing the...

The short answer is you can certainly file the case. All of your assets will be part of the case, so the paperwork needs to say the value of...