Should my husband and I reaffirm our mortgage during our Ch 7?

I do not advise my clients to reaffirm mortgage debt. The risk that post bankruptcy there may be some unforseen financial difficulties that could...

How do I file for bankruptcy in NY ? How much does it coast ?

The question how to file for bankruptcy in NY is too broad for anyone to answer here. There is simply too much information to try to cram even...

Can i include my husband's debts ( in collection company ) except his income when i file bankruptcy chapter 7 singly ?

You want to consult with a bankruptcy attorney. It is questionable if you can qualify for a discharge under chaper 7 with that type of income. ...

Can I sue Wells Fargo from any state? I live in CA, moving to NYC. They added me to a joint account, but I was only auth user!

An authorized user on a credit card is not legally obligated to pay for any charges made to the account, at least as far as the creditor (here, WF)...

I have trued 3 times for loan with wells Fargo or wachovia turned down wife passed away filed ch 13 . 2009 will not help

The bank is not required to reduce the principal. What are the reasons for denying a loan modification? If insufficient income is the reason and...

Can I apply for fee waiver for chapter 7 if I have a attorney

In southern district of california I've been able at times to get fee waivers, although my legal fees were quite discounted. If the fee waiver is...

We just received a letter from a collector stating that if we don't settle they will sue us, we are from Texas, what can we do?

There may be several options: (1) negotiate a settlement (2) pay in full (3) negotiate an affordable repayment plan (4) file for bankruptcy...

I highly doubt that simply having gone through foreclosure would make it so you cannot obtain a series 7 license. Do you owe deficiency post...

Health insurance didn't pay for a few visits to therapist, now therapist trying to collect from me, what is my obligation?

Typically when a patient receives medical care, a claim is submitted to the insurance company, if insurance company denies it, the patient is...

I am a California resident w/ question about being collection proof re: student loan default.

I assume you mean judgment proof. If you have federal loans and are in default, meaning 180 days past due on payments, the collection agency for...