If you are including all your spouse's income in your budget in Schedule I, you may be able to list all of your spouse's expenses in your...

We have made payments (not applied)to HOA yet they insist on forclosure on a home that has been exempt in a Chapter 7 discharge.

The rights of HOAs to enforce payment are defined by state law. In many states, HOA dues are treated a lot like property taxes, which can result...

Bankruptcy- can child support arearages be done in bankruptcy?

You can take up to 5 years to pay off your child support arrearages in a Chapter 13 even though you cannot discharge (or eliminate) these debts. I...

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Should I wait to file chapter 7 until after my bank approves my fha partial claim?

It sounds like your bank's "special government program" might be the loan modification application you appear to have already...

As a result of divorce, I was forced to file Chapter 7 BK. What is the process to remove my name from the title of the property?

Sorry, but until a foreclosure goes through or the property is otherwise taken out of your name, obligations for home owners association dues, real...

Bankruptcy discharged in 2006

This isn't an issue that is resolved by your Bankruptcy. The Bankruptcy dealt with your responsibility to pay for the bike, but the the bank still...

Surrendered a house in Bankruptcy -- now what?? Deed in Lieu or Foreclosure?

The Mortgage Servicer is confused. Your legal obligation on this debt was discharged in the Bankruptcy. I would only recommend signing a Deed in...

If I filed a chapter 13 which has not been confirmed can i drop out.

One advantage to filing Chapter 13 is that you can drop out at any time and refile again. There can be problems to refiling more than one time, so...

Okay this is my question, I filed for chapter 7, I was planning on keeping my car but I never signed a reaffermation agreement

Most bankruptcy attorney's I know won't represent you on a reaffirmation as part of the flat fee package. It's considered an extra fee for an...

In a Chapter 7 Bankruptcy, On the Statement of Financial Affairs it asks if you have had gambiling losses.

I would follow your attorney's recommendation about answering this question, even though I would answer it differently. We see a lot of gambling...