Does the mortgage company who has the 2nd on my house have to file a new lien after my chap 7 is discharged in Colorado?

I agree with the others who responded. You are confusing the lien (survives the bankruptcy) with the debt (discharged). The lien is measured by...

Can I afford to file for bankruptcy? And, what can I expect from my creditors?

If you are considering bankruptcy, and your income may increase in the future, it is better (and easier) to file when you have very low income -...

My father passed away on July fourth and I need to file his will with the probate court. Do I need an attorney to do this?

There is actually a duty to simply deliver the will to the court, regardless of whether a probate is needed. I would consult with an attorney to...

My spouse has a lot of old student loan debt from before we were married, could bankruptcy be a solution to our problems?

Mr. Hines's point is a good one. The only help a bankruptcy can provide with student loans is to force the student lenders to take less money than...

I'm being sued for 2300 for a repro, I have additional 3000 in debt and I'm on SS so should I file chapter 7?

The answer depends on whether you have any assets that can be reached by a judgment creditor. If you don't, so long as your only income source is...

Do I need to go to the summons?

You are not legally required to go to court, but if you do not file an answer before or at the court return time, a default judgment will enter...

As a touring musician, should I claim my car as my "vehicle," or a "tool of trade" when declaring bankruptcy?

It sounds like you only have about $2000 in equity. The normal vehicle exemption is $5000. Just take that exemption in full, at $5000.

Is there a way to get a garnishment lowered?

I would add to Ms. Bowinski's great comment that some creditors (not most) would be willing to voluntarily reduce the amount of the garnishment...

I would itemize any items that are given to particular people in the will if any. The other goods can be lumped together as household goods. ...

Can he sue me? Should I sign the promissory note?

If you owe money to your landlord, and you don't have an agreement (a provable agreement) that you are allowed to pay on time in a certain way, the...