If you are behind on your house and you wish to keep it, I would suggest you speak to an Attorney regarding a Chapter 13 Bankruptcy. In a Ch. 13,...

In Chapter 7, can I file a reaffirmation agreement that is not signed by the Creditor?

No. They sent it to you unsigned so you would send it back to them for them to file for you. You should review the reaffirmation with an attorney...

After a judgement is Awarded to a plaintiff, what can they take ? And how is it enforced to be paid from the defendant ?

Mr. Love is correct. You are either liable or not liable in civil cases. You can only be found guilty or not guilty in criminal cases. Please...

I have direct deposit for my v.a. disab. and my s.s. ..Are they subject to garnishment for credit card debt?

Credit card companies can file a lawsuit. If they obtain a judgment against you, they can garnish your bank accounts. Social security can be...

I bought a 2011 toyota rav 4 in May of 2012 for about 24k out the door.

It is unlikely that Toyota will work with you or even discuss the account with you if it was discharged in BK and you did NOT reaffirm the debt....

I prevailed in an adversary proceeding earlier this year regarding my student loans, which were discharged. What happens now?

The student loan creditors should have been notified when you filed the Adversary Proceeding against them. Once the time for appeal has passed,...

I filed Ch7 and included my mortage, 1st and 2nd. It should be finished this week.

If you filed for bankruptcy protection, then your mortgages are probably discharged. Typically, the first mortgage will foreclose. However, the...

My husband and I have a car loan, I filed Ch7 bk and they did not accept the reaffirmation agreement.

You can ask for a modification, but they don't have to give you one. In fact, in order to modify the loan or even speak to you about it, they may...

What is the general process a creditor has to go through to seize a commingled bank that owned by non-debter spouse?

The creditor must first file a lawsuit and obtain a judgment against you. Once he has that, then he is able to ask the Court for a writ of...

Can I file bankruptcy chapter 7?

You may discharge a second mortgage in BK only if it is unsecured. If the value of the home is $200,000 and the first mortgage is $135,000, then...