If you've received a summons and complaint regarding your credit card debt, then the 5 months is probably in reference to some sort of a status...

I want to keep my house until it can be sold and pay off the loans. What chapter of bankruptcy should I file?

In a Chapter 7, you may be faced with a motion for relief from stay from the creditor which allows them to foreclose during the case and certainly...

If you have no income, then it is pointless to do credit counseling or debt consolidation. Those options require that you pay something on a...

You cannot file a Chapter 13 until 4 years have passed from your Chapter 7 Discharge. If you are thinking of filing a Chapter 13, you might be...

A settlement done through a collection and payment failed due to collection team adding fees to the settlement amount.

Regardless of fault, the bank can come after you if you breached the terms of the agreement. If a debt consolidation company did this for you,...

Will I need a lawyer to defend against a car collection agency?

Yes. They usually sell the car at an auction for a low price and the deficiency is what you owe.

Is it true that banks are more willing to modify mortgage loans during a bankruptcy filing?

I don't think it affects loan modification much. In fact, it takes time for the case file to be transferred from the loan modification department...

I am being sued by a dept collection firm. Should I act or let them simply proceed although I will lose and face judgments.

Yes. Unless you can file a claim of exemption.

Chapter 7 Bankruptcy Creditors Meeting. How to request a new date, continue, or delay date.

Your court date is automatically continued for one month if you do not show up the first time. There is really no way to ask for a particular...

Sheriff holding garnished wages needed to pay rent and child support

The sheriff will need a release from the creditor. Once you file Chapter 13, your lawyer should tell the creditor to send a notice of release to...