Without an agreement, the only option for you to resolve this issue is through the Chapter 13. You will need to be represented by a creditor's...

Is there a court record of a "guilty" conviction against the mortgage company? If not, then your statement of the facts is misleading. While you...

Some banks will "freeze" deposit accounts when a person files a Chapter 7 bankruptcy; local bankruptcy attorneys know which banks do this. If your...

A cheap attorney is never good, and a good attorney is never cheap. Phrases like "drowning in debt" do not help a volunteer attorney to answer your...

You appear to have many possible problems with this situation, so hire the best bankruptcy attorney you can find and get specific advice. Many...

First, no one has been able to "declare" bankruptcy since 1979 when the laws were changed. Second, FTB exercises a 20-year Statute of Limitations...

There is no absolute right to dismiss a Chapter 7 bankruptcy. Unfortunately, if you didn't ask your lawyer to dismiss your case before it was...

The answer to most questions of this sort is "it depends." Can you afford to pay your and your spouse's living expenses? Can you afford to pay for...

The Summons should say how to respond to it. Typically, you would be required to file an "Answer" document with the court. Candidly, your situation...

I recommend speaking to the original creditor to see if they assigned this debt to a collector. Not everyone does so. Another less reliable option...