Is there a way to file some type of bankruptcy that can work with mrg. company on lowering your house payment. Our is $2300/mo

The bankruptcy has no provision to modify a mortgage.

How do I ask for a hearing about my chapter 7 fee waiver being denied?

This would be a bit easier if we knew why the fee waiver was denied. To get a hearing the Motion will have to state why the denial was in error...

What do I do when I was recently discharged after 2 years of employment and my employer refuses to pay me my vacation time ?

I added Employment Law because that is where this really belongs. You might want to talk with a labor lawyer and as already mentioned, talk to the...

I'm 4 mths behind in pymts. Need to find a rental. Should I use my savings to catch up on past CC bills? Will it help my Score?

At this point, your credit score is the least of your problems. Take your savings and go ahead and get into a p lace to live. Bankruptcy is...

Should I convert from a chapter 13 to a chapter 7?

Mr. Tardif leaves a very good answer. The answer is maybe and that is why you should discuss this with your current attorney. With that said, If...

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Ex-Spouse is a Creditor in Ch. 13- has filed several frivolous motions to dismiss, doubling attorney fees and extending plan.

If it is truly frivolous, you may be able to ask for sanctions or some action in the bankruptcy court. This is best discussed with your current...

I filed for chapt.7 protection in Dec 08 at which time ,I re affirmed my mortgage. To date, GMAC still shows me as bankrupt.

There are several pieces here. First, the reason you pay is so you can keep the house regardless of a reaffirmation. First question... Was...

Whatever you do, do not lie. My colleague gave a great answer already but most important, do not lie.

How Can I Fight Company that Hounding me saying that it is now owner of credit card debt

First, you probably want a debt verification letter. Send the collection company one and see if they can even verify the debt. If old enough and...

BOA sending notice of default correspondence to me at my tenants address. Is this legal?

They are merely sending to the property in question. You might consider a Bankruptcy to stop collection efforts. Talk to a local bankruptcy...