During a Chapter 7 no asset case what happens if I can't afford to pay my home or car insurance payments?

Your asked: "Can the insurance company now cancel my policies for non-payment?" YES. One other danger you need to aware, if you have a...

If I am married and I file bankruptcy alone without my spouse will I have to provide my spouse's bank statements?

Generally, no. Your attorney may ask for the bank statements as part of due diligence, but that is for your attorneys benefit (and your benefit...

I need to file medical bankruptcy. How do i go about doing it. I have not been garnished yet but how do i avoid it form happeing

You asked: "I need to file medical bankruptcy. How do i go about? " Step 1. Consult with 2 or 3 experienced bankruptcy attorneys in your area....

Does an overseas housing allowance count as income on the means test if it has to be spent 100% on housing?

Yes, it is income. You have a complex case, you need to hire an attorney. A good attorney can make your case work.

Is is legal to run a credit report on a relative without their knowledge.

You have to have a permissible purpose under the law. The only one that would conceivably apply to a family member would be the consent of the...

What does it mean if the collection agent gives the option, "Monthly payment plan or continue collection activity"?

What do you want to do with the debt? It means more phone calls, more letters, and probably an eventual lawsuit.

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Can a law firm hired by a business to collect a debt from my business spoof the caller id?

If the debt involved is owed by a business, there are almost no collection protections except for extreme harassment. As for spoofing, there...

Will cashing out a retirement plan affect converting a chapter 13 bankruptcy to a chapter 7? Can they garnish it?

Get with an attorney before you do anything. Retirement accounts are 100% protected in Colorado. However, once you cash it out, the money becomes...

I have a credit account with Advanta Bank. In 2001 they changed my terms and increased the rate from 17.1 to 25.1. I opted out

Have you figured out how much money is really at stake. As I understand, opting out of a particular rate hike does not foreclose any possible...

I could not pay restitution and now have a warrent should I turn myself in or wait tell I have the money?I want this done

It is highly unlikely anyone will come and get you over a sub-$500 restitution. However, if you get pulled over, they may bring you in. Just figure...

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