Can I be charged extra after already receiving a final account statement from my old apartment?

You do not have enough information to know whether you owe the money. Demand receipts and make sure they line up. The safest thing for your...

Is bankruptcy the right thing to do?

The rest of the attorneys covered the important issues and reiterate their statements. What I would add is filing bankruptcy is not about how...

I think if you consider this from a different angle it helps: What did you agree not to do? Did you agree to never change the payment amount? ...

Should I contact the company about a Lien on my parents house or should I just leave it alone?

Along with Diane, I have more questions than I have answers. If the debt is paid on the lien (mortgage), then there should be a release. I...

I will have a creditor judgement against me. i have a joint tenency with right of suvivorship.

It is true there is a homestead, but you did not state facts that demonstrate you will benefit from that statute. I don't know enough to provide...

A collection agency sent a letter to an address I use to live at.

This is difficult to answer because I am not sure about your concern. Are you concerned if you don't dispute the debt that you are actually...

How do I go about paying off a debt, when the lowest payment option is beyond my means?

This is a difficult situation. You need to figure out whether it makes sense to file bankruptcy or to try and enter a payment plan outside of...

Can I pay my chapter 13 payment bimonthly if I am retired?

Do you have an attorney? If so, talk to them about reduce your payment if possible if there was a major change. You can make your payments in...

The better question is what is the quickest it may start. The quickest would be one pay period from when you get proper notice. I have had client...

Can a creditor continue with a lawsuit while I am in Bankruptcy Chapter 7?

I have done my share of this litigation. The big question is can you prove they received notice of the bankruptcy? If they don't have notice, the...