Question about chapter 13 when there is no priority or unsecured debts, only a first mortgage plus arrears and second mortgage.

Chapter 13 may be a strong option particularly as we may see property values decrease in months ahead. While no one can predict the future or if...

True that a bankruptcy will stop the garnishment. Did you also know a bankruptcy could let you recover any garnished wages taken from the 90 days...

Need deferment on mortgage in chp 13 bankruptcy ?

You should be able to file a motion to suspend or modify plan payments due to covid-19. Typically referred to as MOMOD. Now may be permitted to...

Since im working less hours during pandemic does it affect wage garnishment?

File a claim of exemption. https://www.courts.ca.gov/documents/wg006.pdf

Can a creditor levy your bank account during coronavirus lockdown?

As of now, credit collections and a bank account levy may proceed where a judgment has been obtained. You may want to consider filing a claim of...

Can I submit the required court fees after my chapter 7 case was dismissed?

If your case was dismissed, I would reapply for a fee waiver to see what happens including receiving permission to pay the fee in installments...

Will the bankruptcy court use the credit counseling class numbers in court ?

Pre bankruptcy Credit counseling only provides you with the required certificate for filing in your bankruptcy case when you first file your...

I will chime in with my colleagues' prior answers - in an abundance of caution best to complete the trial modification payments prior to filing...

Chapter 13 bankruptcy protection may help you buy some time or possibly even resolve the lien with payments over the next 3-5 years....

How to claim judgment proof?

Unfortunately you are not judgment proof when you have equity in your home/real property. A creditor with a judgment against you is able to record...