How do I handle payment shortfalls in my CH 13 case when I have a negative $3,000 in monthly disposable income on Form 22C?

I wouldn't say it is common for B22C to show negative disposable income in a chapter 13 bankruptcy, but it happens and it is not fatal. The real...

In California can I the Debtor file the Chapter 13 Dismisial and not use my Lawyer

You could. Why do you think you can't use your lawyer? Also, very rarely is it in a debtor's best interest to dismiss a chapter 13. At the very...

Can new mortgage "servicer" (Ocwen as of Sept 2013) file for relief on Chpt 7 bankruptcy DISCHARGED over TWO years ago?

If your bankruptcy was discharged and closed, they don't need relief from stay. I'd be a little careful on the conclusion you draw from your...

Will chapter 7 bankruptcy eliminate my debt to the state of Minnesota?

Yes, bankruptcy should eliminate that debt. The mere fact that a debt is owed to the government does not make it non-dischargeable. Assuming you...

Which law applys in an FCRA case for Doctrine of Necessaries? For spouses unpaid medical bills?

It is not a smart move to file a lawsuit without knowing which state's law applies. Hopefully you went through the preliminary steps before filing...

Heloc creditor wants to settle on my 70k debt for 20k. House was already foreclosed by primary lender.

Unlikely they would take installments. Think of it this way. You already agreed once to pay the loan in installments, and didn't; why would they...

The reality is, most debtors that defend without an attorney do lose. Reason being, pro se defendants don't know the rules of evidence and make the...

Can I avoid a second mortgage in a chapter 7 bankruptcy if my house is worth less than what I owe on my first mortgage?

If an attorney told you needed to file chapter 13 to strip a second mortgage, than you need to do a chapter 13. Very few districts have embraced...

If a credit card co knows you will be forced into bankruptcy , where they get nothing, if they do not accept your payment plan,

The threat of bankruptcy is not as powerful as you assume. In fact, threatening bankruptcy carries no bargaining weight in this circumstance. Think...

Did you list this debt to the electric company in "your" bankruptcy? In any event, strictly speaking, they can't charge you for that outstanding...