Personal bankruptcy (~2005) before law changed. What is the amount of time needed before it can be removed from credit reports

It's still 10 years and was at that time as well. 10 years. That was not updated or changed.

How much would you charge for a Chapter 7 bankruptcy in CA?

Fees vary as explained above by the previous answers. $1500 + costs to $3000 in LA, CA. Factors increasing what you pay? Owning a business,...

Can a student loan be defaulted 5 years after a cosigner filed CH. 13?

Did they give you a reason for the default? Was it specific to your cosigner and his/her bankruptcy? Have you phoned them to ask and if so, what...

They offered me a free attorney for court.. I just don't know if the collection agency will make it worst if I don't pay them

I agree with my colleague. Please ask a question that can be answered. Not sure how having an attorney can make the situation worse if you are...

If you file a response but owe the debt you will only be delaying the process. You will not likely get out of the debt unless you had some...

Before making a payment on a settlement plan, should the settlement agreement be signed by both parties first?

Yes. You should have an executed agreement detailing everything you discussed re payment plan BEFORE making any payments. And stick to it to the...

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I can not find a lender who will re fi my mortgage because its not reaffirmed after a BK 7 . DO you know of one that will ?

Why do you want to reaffirm? You just relieved yourself of liability and reaffirming would take the liability right back on. You will be legally...

How much home equity can a married person filing solo chap 7 exempt in California? I am under age 55 and we have 3 children.

http://www.legalconsumer.com/bankruptcy/bankruptcy-law.php?ST=CA Equity is value of home minus loan. If you think you have a large amount of...

If my spouse fails to disclose all of her income from employment in a divorce case, is this lawful?

Yes, she is supposed to disclose. Meaning "NO" it is not lawful. You need demand production of documents and include the demand for these...

Yes. Keep these documents in a safe place where you can readily access them if need be.