I have been defaulted on my loans for about 9 years :( what is the best, cheapest option for me to get back on track?

Although you don't mention it in the body of your question, you tagged your question with "student loan." So, I am assuming we are talking about...

Can a person file bankruptcy, if they are not behind on any bills, but have credit and bills that are more than 80% of income ?

Your constitutional right to file bankruptcy does not require you to be behind on bills. If you see the writing on the wall, congratulation....

If my husband and I claim bankruptcy would that cover the thirty seven thousand dollars that we owe to the IRS personal taxes?

You will need an attorney experienced in handling tax debt bankruptcy to conduct a discharge analysis. The only way to know for sure is to review...

What are good affirmative defenses to use when being sued by a debt collector under a common counts lawsuit?

I am sorry this happened to you. However, no one here can coach you on litigation. Too many variables and it is not the role of this forum, if...

An attorney is trying to get a letter it produced into evidence. How do I stop him?

You probably won't be able to prevent its introduction into evidence. There are numerous exceptions to hearsay and it is not clear from your...

Not sure about the horror stories....let me put it like this. An attorney must be licensed by the state and is heavily regulated. If the attorney...

How do I start debt settlement on my own?

The real question is should/can you settle? See the link below to my free report, The 7 Truths of Debt Settlement. You need lump sum cash. If...

My husband and I filed bankruptcy ..was discharged In February 2013. Been separated since December 12. Condo Is upside down

Not sure why you would need to send a certified letter. All he needs to do is refinance into his name if he can qualify. He cannot refi into both...

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Filed Chapter 7 in 2008, re-affirmed debt on house, bank never re-affirmed debt, can I Foreclose?

Your "credit report" won't be dinged. But if the house forecloses, that will come up when you apply for another mortgage. Just because something is...

Our chapter 7 bankruptcy is final but now what's our best option to resolve our second mortgage?

A lawyer will maximize your chance of success. Your best option with the second mortgage is to attempt a settlement. Offer a lump sum cash for a...