Can a home loan be modifield after a chapter 7 bankruptcy discharge did not reaffirm

Yes, you can enter a loan modification. No, you cannot be on the hook as if you did not file bankruptcy. Why? In order for a debt to be...

I did a chapter 7 bankruptsy which was discharged in January of this year.

The rental property is property of the bankruptcy estate. If they want to maintain the property they can go this route. In Arizona, a good...

I have a law suit against me for credit card debt

If you do nothing, you will end of with a judgment. What the judgment means to you is what matters. If you truly have no assets and don't...

On Bank Garnishment,how gives me info on it.It been 3 day since bank garnishment.Can it be done again.

The question is not how often can this happen, it is how quickly can you stop it. You need to either go to cash only or get a new bank...

Statue of limitation on cc debt

A new law was passed that overrides the 3 year statute of limitations and makes it 6 years. A.R.S. 12-548 With that being said, it does not...

Please help, I'm unsure what it means by taking action on a judgment.

If the judgment is over years old and not renewed, there are issues. Another way of getting at the Creditor would be to use the garnishment...

Can I still declare Bankruptcy if I am using a 3rd party for debt relief?

You have potential issues with filing bankruptcy in Arizona with property in another state. You need to be careful because you cannot exempt out...

I neglected to close joint credit accounts during or after my divorce (Mar. 2012) Ex charged $8800 and filed Ch.7. What to do?

You have a difficult problem to assess. What I mean is, you have an issue that happened in bankruptcy that also draws from family law. It can be...

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I received large Tax Refund after filing BK, but still before my debtors date, Can I spend on Medical/Dental?

This tax return is property of the estate. That is lawyer speak for, this return belongs to the trustee. If you spend this check, you will have...

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Getting letters from a collection agency as well as statments from original creditor. Who do I pay debt to?

This is a serious problem. If you pay the wrong party, you could have a lawsuit for the return of money and the debt itself. Make sure you have...