Do I only list the expenses that are in my name that I pay for when completing the means test for chapter 7 bankruptcy?

Both Mr. Neeley and Ms. Koyama are correct - bankruptcy is a very complicated process. Please take time to educate yourself about bankruptcy...

Is there a mathematical formula to base HOA dues according to overall cost of one's mortgage or is it whatever the market will b

HOA dues have nothing to do with the mortgage payment. Some are based on last year's cost to manage the property, others are prior year's costs,...

Ex spouse and bankruptcies ?

To add a little to Mr. Neeley's answer - if you want to keep the house then keep making the payments. if the payments are too high then you might...

Can they garnish my washed if my spouses name was not on the law suite ?

Mr. Neeley is correct. You might consider talking to an experienced bankruptcy attorney to see what options you may have (assuming this one...

Motion to lift in the middle of Chapter 7?

If you have an attorney you must ask for their guidance. If you do not have an attorney you can make arrangements to meet with a volunteer...

What most people don't understand is that bankruptcy is a very complicated process - each person's situation dictates whether bankruptcy is a good...

Can I file a chapter 13 right after a chapter 7 discharge to save my house?

I agree with Mr. Neeley and Mr. Caldwell. What you need to understand is that bankruptcy is a very complicated process. Please take time to...

I had a company call me telling me they were going to garnish my check for an old bank account that was charged off 9 years ago

The prior answer suggested you talk to an experienced bankruptcy attorney, and I agree. Please take time to educate yourself about bankruptcy...

So can a lawyer submit an emergency skeleton filing without any data from the client?

First - congratulations on getting the loan refinance. As to your question - I am not certain of the sequence of events and who you paid for what...

The only debt workout company I recommend is the National Foundation of Consumer Credit Counselors "NFCC.org". Over the last two decades, I have...