Being sued by a credit card company. I owe the debt. Do I have a defense for the company not negotiating my payment terms?

The credit card company is not obligated to make the terms more suitable to you. You might consider a Chapter 13 filing, if you have other similar...

Will I be liable for previous taxes my fiancé owes if we get married?

You don't generally inherit debts of your fiance. But be aware that the stuff that you obtain together with him while you are married may someday...

Would my negative net income of 167 affect my reaffirmation for my car loan or it best to actually cut back on expenses

The easiest thing is to amend schedules and cut back on expenses so you can reaffirm without a painful hearing, but I'd contact my attorney. It may...

Why was it removed? Do I still owe it? How come I have not been contacted by them for payment?

Maybe it was an error and the debt holder removed it when it figure out who responsible party was? Hard to say. Seems like it was a good thing and...

I have tried many times to get my co-signer off my student loans and Ive tried to explain that I was scammed by Sallie Mae/PCPS.

I'd consider filing suit for fraud against the parties who are holding you responsible, IF it was fraud. There is no obligation for a debt...

2 questions please: At what point are creditors told to stop collection efforts in a bankruptcy? What is the normal down payment

When the bankruptcy petition is filed, the Automatic Stay comes into effect, causing a cessation of all collection activities.

What could happen u c lending is bankrupt?

I assume you mean 2009, but you are going to have to file a substantial pleading to get the house free and clear. Have you been paying taxes on it?...

Is there life after bankruptcy?

The automatic stay prevents any attempt to collect a debt. If the declaratory relief is to establish a declaration that cannot be construed as an...

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How is it possible for them to be paid in full and after the fact claim we still owe $16,000.? Can they change the terms now?

The situation can be weird when a Chapter 13 does not result in a discharge. It CAN be that, had you continued with the bankruptcy, you would have...

Can i take this forward with mortgage lender..an $11,000 grant was promised and now 3 weeks from closing he says he madeamistake

I'd be surprised if the writing doesn't have some weasel words in it, such as "subject to credit approval" or "or until resources run out" or "a...