Can BK13 help to modify and reduce interst on our mortgage

A Chapter 13 will not modify your mortgage. It is a way to get caught up. This will not achieve your goal of reducing interest. I wish it...

If I file a chapter 13 and I am receiving disbursement checks since I am in school, do I need to report that in my case?

Loans are not income. It would not make much sense to pay your loans that cannot be discharged towards debt that can be discharged. This this...

My lender never gave me a reaffirmation agreement and now wants to take my car. What can I do?

Contrary to what Mr. Oney has stated, you can reopen your case and file a reaffirmation. The Bankruptcy code says the reaffirmation agreement...

Student Loan Debt and Central District of California Chapter 7 Bankruptcy of Co-Signer

You can seek to have them take the debt out of default, but there is no guarantee this will work. This is terrible and I have had a client where...

If i keep paying will they be mine.

If you file bankruptcy, all of your assets and debts are part of the bankruptcy. So don't feel alone, everyone is in your situation. The good...

Filed chapter 7, house included in bk, discharged 3 months ago. Can lender foreclose on home without sending NOD letter?

I cannot speak with California, but in Arizona, this is not only legal but typical. Each state is different and it is not fair, in my opinion,...

Will I have to pay taxable income if my mortgage and my 2nd were included in my ch 7?

IRC 108 lists the exclusions to gross income. A bankruptcy discharge is an exclusion. Google form: f982 and irs. If you pay someone else to...

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My wife and I are getting a divorce but are also in a Chapter 13 bankruptcy and have been in it for about 2 years.

Why are you wanting to stay in a Chapter 13? One of the other attorneys said this will not affect your Chapter 13. This is not true. You now...

I am not sure why you are in a Chapter 13. What is the benefit your are seeking? If you cannot make payments, you more than likely can move...

Do I have to write a letter to the trustee or is there official paperwork to give her for raise in bankruptcy 13?

Technically, you should call the Trustee. There will be thresholds in which changes are actually required. It is not clear to me if the $150 is...