My home is worth $180k. I owe a 1st, $196k. My Spouse ALONE owes a HELOC, $96k. Can she discharge it in CH7 without losing home?

First off, Bankruptcy exemptions applicable are where you have lived for the past 2 years. Your wife can discharge the obligation to repay the...

I received a call from a debt attorney for a pay day loan from 2006. I don't remember this loan. How can I research?

Write them a letter that you dispute this debt and ask for evidence that you in fact incurred it. They should have a copy of the original contract...

Will I be responsible for my moms debt when she dies, I am the oldest child? She has a lot of debt, her house is not paid for?

You are not responsible for your Mom's debts unless you are a co-signor on her accounts. If the house is mortgaged, the mortgage company has a...

BK and loan modification

In my experience, I try to get the client to apply for a loan modification first, unless there are other circumstances that make the wait...

Bankruptcy

Having a tax lien or owing IRS taxes does not prevent one from filing and getting a dischage on other debts. Furthermore, some taxes are in fact...

Bankruptcy or what?? Totally lost. Can I avoid bankruptcy by some means?

You could consider going to a place like Money Management International, which is a non-profit credit counseling organization. Sit down with a...

My question is as a co-signer for my grandaughters mobile home loan, will the mortgage company be able to put a lien on my house

Yes. I recommend speaking with an attorney.

I have to turn in mu car to the bank as can't afford it. will that loan company be able to attach my mobile home which is paid

You are more than likely to get a deficiency notice, after the bank sells the vehicle. You are responsible for the difference between what was...

I have a boat that i can no longer afford. I want to turn it over to the bank. When they sell, waht will happen to the balance

Probably. The boat will be sold. The creditor will send you a notice of a deficiency, the difference between what the creditor was able to...

The attorney's office will probably file a lawsuit in the superior court and obtain a judgment against your son. Once that is completed they can...