I have back taxes totaling around $15,000.00 dollars. are any of these tax help companies reputable. Are they worth the time

Income taxes can be discharged in bankruptcy if certain requirements were met. Your bankruptcy attorney should be able to advise you on...

Reaffirmation agreement

Yes, you should still be able to get the Reaffirmation Agreement done. It must be "made" or entered into by both parties before the discharge....

I recently filed chapter 13 bankruptcy and I am now on a payment plan. Is there any advantage in paying it off early?

Chapter 13 will show on your credit report for 7 years from the date it was filed. That being said, once you obtain a discharge, you can start...

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If you file chapter 7, an automatic stay that goes into effect would at least temporarily prevent your mortgage servicer from foreclosing. But you...

Bank of America wouldn't help me lower my mortgage payment. What do I do now? Can I keep it if I file bankruptcy?

If the payments are too high, I would recommend that you again seek a loan modification. It takes time, you must produce a lot of documents and...

Filed chapter 13 it was dismissed but I continued paying the mortgage can I do a loan modification on the house

Yes you can apply for a loan modification. Visit the government website below for more information. There is no need to hire a company to help you...

Will I lose my time share I am still making payments on because of chapter 7

If you have equity (value over debt) in a timeshare that cannot be claimed as exempt, it's possible that a chapter 7 trustee would try to sell it....

Can they put a lien on my house or frozen my checking account?

When someone has a judgment against you for debt, they can record an abstract or summary of the judgment in the county records, so that if you sell...

What to do to protect my self while being temporarily unable to make my credit card payments for about 3 months

As the previous answer indicated, you will get calls and late charges. I also recommend that you be proactive and contact your creditors and...

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What do I say when filing a written answer?

In Texas, it's permissible to file a general denial, which basically makes the other party prove their case. But if you file a general denial, they...