Does cross collateralization apply to only credit unions or can it apply to banks as well? Chapter 7.

It depends on the contract with the lender. The great majority of credit unions use contracts that include cross-collateralized provisions. Most...

My husband works at a hospital we want to file BK but owe his work money for a ER visit can we pay this bill or not?

You can see from the prior answers that your questions are not as simple as you believe. There may be ways to take care of your concerns, but it...

Can we still file bankruptcy even though my husband is modifying a child support order?

I cannot answer your second question but will help you with the first question. Please understand that bankruptcy is a very complicated...

Can home owner association foreclosure for non payment morgages are up to date?

Unfortunately, in Arizona, homeowner's dues are secured against your home. If you do not pay the HOA dues then they can foreclose (assuming the...

Can a bill collector just start calling and harassing when you didnt even know about the bill?

The prior answers are correct. In addition, you might check out the Q and A at the Federal Trade Commission's web site: www.FTC.gov. These folks...

Can a lender or court takes from savings and 401k account or garnish my wage if I foreclose a rental property in AZ?

I agree with my fellow Arizona attorneys. Real estate law is specific in each state. Meeting with an experienced real estate attorney may put...

What exactly is a deed-in- lieu of foreclosure and which is better, that or a short sale or wait for forclosure?

A deed in lieu of foreclosure is a process that the owner conveys the property to the lender and the lender forgives (in part or full) the debt. A...

What is the process for filing for bankruptcy?

Please understand that bankruptcy is a very complicated process. It is wise to talk to an experienced bankruptcy attorney before deciding to take...

Can I make higher or additional payments towards my mortgage prior to filing for bankruptcy?

Please understand that bankruptcy is a very complicated process. It is wise to talk to an experienced bankruptcy attorney before deciding to take...

I agree with the prior answers - get the documents to the trustee immediately. Apologize for not acting timely. Make sure to never delay on any...