What forms do I need to file to reaffirm my mortgage after bankruptcy was discharged

Bankruptcy courts presently discourage reopening a closed case for the purpose of reaffirming a mortgage, and there are no standard forms available...

There can be different ways to analyize this, and different opinions, especially if you are a debtor or a creditor, because there are conflicing...

In the Eastern District of Texas, do I have to count an IRA withdrawal as income on the Chapter 7 Means test?

Yes, IRA withdrawals are considered income for means test purposes, if done within 6 months before filing. An exception may apply if there was a...

Can a credit card company take me to court and it's been 7 yrs. since i last made a payment on the card?

In most situations such as this, you should have nothing to do with this rather agressive creditor, because you likely have a defense since it...

If a credit card company wins a judgement against you in Texas. What are their, options in securing payment.

Texas residents generally enjoy the greatest asset protection from creditors, although a judgment creditor has some rights also, which are to...

In texas with no assets and irregular income, file Chapter 13 or do nothing?

Determining if you qualify for chapter 7 can be helpful to deciding your options, because there are strategies that can get you qualified. As my...

I took $4000 out of my IRA in March, does this have to be included in my means tests?

Yes. Unless you happen to qualify as a business as to the amount of debts you owe, in which event you are likley not required to use the means test.

Can student loans acquired through private institutions, not the government, be filed on and dismissed without "undue hardship"?

The use of a private institution to obtain a student loan is usually not a factor, because there is a loophole in defining a government student...

I was served by Midland LLC for Chase CC debt, I live in TX, my pay is out MA, Can they garnishment my pay w/deducted for it?

Yes, with the facts you describe, garnishment can occur in MS, even though Texas does not allow garnishment of wages for this kind of debt in...

Schedule B & C - Car w/ Loan Chapter 7 Bankruptcy

Yes, the car is listed on B & C, and the loan for it is listed on D, as well as the transaction if it applies as asked by Sofa #3. You would...