65 year old widow has 25,000 in unsecured debt. Should I seek debt settlement company or file chapter 13.

When you speak to an attorney make sure the Alabama exemptions apply to you. If you recently moved to Alabama, you may have more liberal exemptions...

I'm current in my post-petition Ch 13 mortgage payments, creditor is filing MFRFS. They are counting pre-petition arrears (?)

I have no idea how this issue is handled in your district by creditors and their attorneys. In my district, being a day or two late does not...

My chapter 7 has been discharged. Today I received a document stating "Notice of Sufficient assets" What happens next?

I wish there was a time frame. There is not. It is just a matter of when they finish paying creditors what money they obtained. I am not sure...

I have never had a clear understanding about what the chapter 13 filing does to mortgages. what happens after the term is done.

Yes, you just start making your payment again. I would call to ensure you know the new amount (assuming escrow amounts may have changed). Good...

I am trying to save my home with a chapter 11 but I have limited money

I don't know enough about your situation to even know if a Chapter 11 is the best answer. Why can't you file a Chapter 13? It is more...

My comrcial tenant filed chap 7 bankcruptcy and vacated the building but refused to turn keys in. Can I ask the trustee to solve

Yes. I am not sure this would be the quickest method, but you could ask the trustee. The automatic stay is a scary thing to potentially...

In Arizona, it would be the less effective move to pay off the 401K prior to a Chapter 13. This is an allowable expense and should be used as...

Chapter 13 exemptions

You questions raises many questions and possible solutions. See an attorney before doing anything. You have the money, just do it. Do you...

I have a garnishment in February 2012. Can I file for Bankruptcy to get out of it.

If you have to wait, there should be a process to minimize the garnishment by applying with the judge. There may be time limits to respond, but...

Does negotiating a tax lien with the IRS interfere with filing for chapter 13 bankruptcy?

You description does not provide enough information to answer your most glaring issue: can you discharge this debt in a Chapter 7? If you meet...