Hello, I filed a ch. 7 BK (CA) in October of 2008 and it was discharged in Oct 09. I'd like to reopen to include student lns.

You will need to consult an experienced local bankruptcy attorney. The standards to discharge student loans is quite high. An experienced...

I am concerned that my attorney did not do all that he could to lower my trustee payment after bankruptcy to save my home.

Unfortunately not all attorneys are created equal. It is most likely that your current attorney has already done a phenomenal job. Sometime,...

My wife and I have not lived together in 4 1/2 years 2 days ago I was served with a Order For Examination Of Judgment Debtors.

The previous answer is very through. Even though you may be able to get the judgment set aside, they will then be able serve you and you will still...

How can I find out if there is a judgment against me from a creditor? It is not on my credit report...

You may want to call the court where the case you referred to was filed and give them the case number and see if the court clerk can review the...

The best answer is to consult a local consumer debt collection defense attorney who can guide you through the process of answering and negotiating...

I have credit card debt i cant pay can creditors take money from a secured credit card

Need to distinguish between a secured card and a prepaid card. A prepaid card is really just a means of access to a limited type of bank account...

How long can I stay at my current address?

to add to Ms. Elder's very complete answer, if there are Home Owners Association fees for the property you may be liable for any of these accruing...

Mortage was not reaffirmed in bankruptcy. served with foreclosure summons. Do we have to reply if not contesting? In New York

No you do not need to answer as long as they are not seeking a money judgment against you personally. If you had any Home Owners Association fees...

I payed a debt off in February now they say. recently there's a surcharge They. are calling my job threatening. to garnish

They can't garnish without a court order. Although you might have signed a voluntary wage assignment when you got the loan. Wage assignment can be...

Does any one know of an attorney with a good understanding of the FDCPA in Passaic County New Jersey?

You can use the find lawyer function on Avvo.