How long after filing chap 7 and surrendering your home will u b able to apply for another mortgage.

You wrote, "Does the foreclosure process delay my shot of re applying for a new mortgage?" A: The "foreclosure process" will delay approval and...

Does modification reaffirm a loan after discharge

A discharged loan cannot be modified. "Reaffirmation" cannot occur in a closed case, after discharge of the loan. A new loan can create legal...

Can the amount of a judgement be reduced after a order of wage garnisment has been sent to my employer?

You wrote, "Can the amount of a judgement be reduced after a order of wage garnisment has been sent to my employer?" A: Only by payments applied...

Confused on 90 day rule of thumb before filing BK? When should I stop making payments to creditors (credit card companies)

In Eastern District of MO, where I practice, the 90 day rule exists and is part of bankruptcy planning. One concern is the preference issue, but...

Once I pay off a collection or judgment, will it remain on my credit report or will it be removed?

As a rule of thumb, if you can develop a plan to repay your delinquent debts within three years, then bankruptcy is not an optimal recourse.

The trustee is trying to make me convert frrom 7 to 11 under 707b3 c totality of circumstances the vaguest of them all.

There might be a defense, but you will need to hire an attorney.

Your question is a challenging hypothetical, but if the case were In Eastern District of MO, where I practice, I would say, "No."

Is a bank in violation of the bankruptcy Code for not foreclosing after they had the automatic stay lifted?

You wrote, "My question is ... 2nd did First Franklin violate the automatic stay[?]" A: Since First Franklin got relief from the automatic stay,...

Can we file bankruptcy together even though my husband bankrupt in 2008?

Your husband is not eligible for a Chapter 7; he might be eligible fora chp 13.

Do i have to amend to list as a creditor someone who filed an appearance?

No. You do not have to amend. Such notices are routine.