If it's only $600, you should pay it or settle it so that your credit report no longer shows a balance due. Then, you should dispute the past due...

Does a official bankruptcy need to be filed to clear past?

Your reference to 2009 suggests that you are aware of the 4-year Statute of Limitations which bars any lawsuits to collect on a 4-yr-old debt. ...

Why would I hire an attorney that could assist me with credit repair? Is it similar to hiring a debt consolidation company?

You can't "repair" your credit if you still owe the debts and it's been less than 7 yrs since you defaulted; but you can attempt to repair your...

I was laid off and currently receive unemployment benefits. Can I file for bankruptcy chapter 13?

The short answer is - yes. Why are you asking about a Ch13 and not a Ch7? Did you do a Ch7 less than 8 yrs ago? Do you have assets you don't want...

Who owns the house when Foreclosure is not completed? "Zombie Title"

If the Trustee's Sale was postponed or cancelled and you are still on title, then yes - you can move back in. But be prepared to file a Chapter 13...

Collection agency advised me they sent the request for wage garnishment on 11/5/13 but I havent heard anything from my employer

Hearing nothing from your employer is a good thing. If you do, though, a bankruptcy will stop it. Whether that makes sense depends on whether you...

How do I know if I should do credit counseling, a debt management plan, or a debt negotiation program?

The best way is to speak with someone at length who is familiar with them - such as your local bankruptcy attorney. Certain types of debts are...

Regarding Income and cash on hand on the date of filing chapter 7 bankruptcy versus the date I filled out the bankruptcy forms.

The Trustee will not ask to see your bank statements and couldn't care less about a $17 discrepancy. When he asks if there are any changes,...

California Chapter 7 form B22A means test, the choices for Married not filing jointly are same household, or separate household.

The "OR" means ... if you are legally separated, you can check that box (b).

What is the time frame and cost for a Voluntary Dismissal of Chapter 13 in Los Angeles, CA?

Assuming you are the debtor, you simply need to file a Debtor's Request for Voluntary Dismissal of Chapter 13 Case. It should cost you nothing and...

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