Can I still enter a reaffirmation after 48 months?. My former attorney never educated myself about the choices I had.

As with all things in the law it depends. It depends on your judge and it will depend on the facts of the case. There are some Kansas Judges who...

My private student loan cosigner declared bankruptcy, and now my account is on hold and I can't make payments. What should I do?

The ability to pay a co-signed debt may depend on whether the person is in Chapter 7 or 13. If they are in a Chapter 7 the loan should be released...

As the other answers have stated your direct disability funds cannot be garnished if it is from Social Security. There is a split on whether or...

I agree. Your insurance should not go up with a seat belt ticket but did you know that your insurance rating is tied to your FICO score? So if...

If there is a judgement on my credit will it go away after so many years, or do i need to do something to get it removed

Missouri is ten years as long as the judgment has not been extended. See http://www.moga.mo.gov/statutes/C500-599/5160000350.HTM if it has been...

My mortgage co. never reaffirmed my mortgage 3 years ago during my bankruptcy. I want to refi but can't. What do I do?

Reaffirmation practice varies from state to state and district and district. The Creditor is not required to report the debt on your credit report...

How long will it take to foreclose on my house after I stop payment?

The mortgage industry is a mess right now so I agree with it depends. You might be able to seek a modification to assist you. Check the...

FHA Loan modification and chapter 13 bankruptcy

First and foremost check with your attorney. Generally when there is a change in circumstances one can update the court. Gather all the loan...

Can a student loan go after my retirement from the state job I have?

Generally the pension is protected. Check with a local attorney as sometimes the exemption will follow to the bank account. This is if the sole...

I live in Missouri. I recently had a private student loan go into collection but it is now current can they take my tax return?

If it is indeed a private student loan they cannot garnish tax refund even of you are late. Here it's the tax code section. ...