I agree with colleagues. Even if your case was still open or you could reopen I dont know if I would recommend a reaffirmation. How much is owed...

My answer would be. I'm home. Come on over anytime.

Yes on the co-borrowers' credit report if payments are late, spouse or no spouse. The creditors can also seek to recover from co-borrower because...

Can you be notified that your going to be served over the phone

Bottom feeders or outright scammers. Has the statute of limitation expired?

You received a discharge in bankruptcy or was the debt charged off? Charged off doesnt mean you cant be pursued in court. Sounds like the...

There is a way to go after your independent contractor income, I've only seen it once, but technically it is possible, it's not a wage garnishment,...

I get $1,480/month Social Security and $675/pension. I have no savings. Can a creditor freeze my bank accounts for payment?

You might be able to get some assistance from Legal Aid. Call them to find out. The debt clinic listed in the link encourages you to CALL FIRST...

How can I find a pro bono attorney that can help with bankrupcy and finances?

Try Legal Services of CA www.lawhelpca.org 916-551-2140

On bankruptcy Schedule E/F, how should I fill out the form?

Separately on debt schedule, for each account. On creditor's matrix you can put once, if the address for BK notice is the same on all accounts,...

Did anyone hear of golden financial services debt relief?

No, but it's a clever way to get clicks from Avvo into a business.