What if you are also on the loan and you did not file chapter 7? However, the loan shows closed on my credit report.

I will ad that whether that is a good or bad thing depends on future payments experience.

Have I incriminate myself?

As long as you did not reaffirm at time of bankruptcy the creditor can only take possession of vehicle, dont worry about signing the surrender...

Do you offer a payment plan for debt consolidation

Maybe you meant to say debt settlement instead of consolidation, people get these mixed up sometimes. You can always make an offer, it's not...

What does it mean if a company recorded a abstract of judgment on me?

Agree with the others, if you acquire property it will attach to it unless the judgment is released or debt is discharged through bankruptcy. For...

Agree with others, Attorney Rode kindly provided the exemptions, the devil is in the details so what you want to do is get a free consultation with...

Try searching Debt Defense or Student Loan Lawyer or Debt Collection Defense. Good Luck!

Can a business such as a exterminator company (not creditor) put a negative mark on your credit for unpaid bill?

Yes a business can report credit activity to credit bureaus. This is very commonly done by dentists, doctor offices, hospitals to report unpaid...

How do I negotiate a debt settlement on my own?

How about making to them a counter offer for less?

How much does it cost to file for bankruptcy?

Avvo is a great place for getting answers to many legal questions, but not the ones you are asking. For one thing attorneys participating here are...

I filed chapter 7 six years ago but the lawyer did not reafirm the mortgage I am trying to refinance but can't for home improvem

I never ever ever ever in 9 years of Bankruptcy practice reaffirmed a single mortgage loan. What you are saying about renting the house makes no...