Welcome to Texas! Sorry about the situation you're in, but I think there is good news for you in moving to Texas, assuming that your garnishment is...

Judgement against a homestead property

The home cannot be taken as a result of a judgment. It could, however become an issue if the home is sold. I suggest contacting a local bankruptcy...

Can my tax refunds while in Ch 13 go to pay back the IRS and FTB which are being paid through the plan? Hence shortening my BK?

This is a good question, and the answer to this will depend on some different factors. If you qualified according to the means test, you may be...

Can/should a foreign national file for bankruptcy to discharge credit card debt from US creditors?

Sorry for your situation, and hats off for continuing to pay over the years. I suggest visiting with an attorney where you lived when you were in...

Will a homestead exemption protect my home from creditors?

You would do well to visit with a bankruptcy attorney in Austin or another credit/debt attorney who can look closely at your situation. You don't...

Am I being scammed?

Sorry about the trouble you're experiencing with these annoying calls! Regarding whether you're being scammed, I think the answer comes down to...

What is my next step after receiving a notice of and motion for summary judgement from credit card company?

Depending on the situation, a bankruptcy could be a powerful response to this lawsuit, and many bankruptcy attorneys offer free consultations. As...

I took out a payday loan from one of the walk in places about 4 to 5 years ago.

If you're being harassed, there are a number of ways that you can stop them. It would be wise to speak with an attorney, many of which offer free...

Why After 3 & 1/2 yrs, would I be asked to resign loan mod docs for proper recording. Do loan mods have to be recorded?

That's wise that you spoke with a real estate attorney about this, now, it's probably also very wise for you to contact your bankruptcy attorney,...

How successful are loan modifications by law firms that deal with mortgage companies? are they more succesful that individuals?

This is a good question, and I suppose you're considering doing a mortgage modification or have been offered the services of a law firm. This is a...