I have about 60,000 in debt - 5 years old. I am now starting to be suied by creditors. I can not afford to pay it back.

Age of the debt will not prevent you from seeking bankrutpcy protection.

Does the proof of service have to be done by a 3rd party in a chapter 13 or can i do it myself?

You can do it yourself.

How long after BK 7, I can buy a house with about 20% down?

Some of my former clients have been able to get loan approvals 3 years after receiving discharge.

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Agree with other counsel. Check your credit report too, make sure the loans are being reported correctly as being discharged in bankrutpcy. My...

Read your promissory note carefully. My private student loan contracts state that Ohio state law applies to all aspects of the contract. Statute...

Student Loan: I cannot afford to pay the required monthly payment. What is the minimum monthly amount I can legally pay?

If these are federal loans there are repayment options under "Income Based Repayment" and "income contingent repayment" plan. You need to contact...

My ex-landlord said tauntingly, she was going to put a lien on my car after a default UD judgment, is that possible?

After obtaining a judgment, the creditor can ask for court to summon you to court for a debtor's exam to disclose all of your assets. After...

I have a question about transfering property prior to bankruptcy chapter 7 I transfered my share of one fourth to my siblings fo

Hmmm. It's possible that although the property itself was worth $102,000, a quarter share could be worth less than 25% of total value. Sometimes...

Being sued by capital one.

Yes.

I am legally married, yet own my own home, kids grown, can I file bk and not include the house or husband?

A spouse can file a bankruptcy case without the other spouse and if there are no joint debts the other spouse's credit will not be affected. ...