Companies that advertise "debt consolidation" don't actually provide debt consolidation. Instead, they settle bad debts at a discounted rate....

In many states, judgments can be renewed just by recording them before their life span ends. The life of a judgment is generally much longer than...

Exemption laws vary widely from state to state. However, I am not aware that the homestead exemption can be doubled in any state as a result of a...

By "hardship," I assume you mean that you lack the funds to settle this debt. Regrettably, being unable to pay is not a legal defense to a lawsuit,...

Regrettably, while the volunteer lawyers on Avvo can answer legal questions, we cannot conduct an investigation of the facts for you. There may be...

Regrettably, the way you explained your circumstances is unclear, which is likely why you have waited so long to receive an answer to your...

"Can't afford to pay" is not a legal defense to a civil court action to repay a debt. Your home and other assets may or may not be protected by...

Unless you reaffirmed the HELOC, it was likely DISCHARGED in your Chapter 7 bankruptcy from 2012. If that's the case, you already owe this lender...

Whether you "can" trade in a vehicle while you are in an active Chapter 13 depends on whether your confirmation order says that the property in...

Bankruptcy laws require you to "include" all your debts, no exceptions. However, that doesn't mean you can't continue to pay your mortgage (to keep...