Can I exempt and protect IRA's from creditors during a California bankruptcy filing?

You are right to be concerned about annuities. But if the IRA boxes are checked, you should be OK.

I have 2 homes and want to file bankryuptcy. One house has equity. Can I declare that home my principal residence for homestead?

You can do all that ... but the issue will be: were you telling the truth when you declared it to be your principle residence? Moving back might...

Filing for bankrupcy but don't have enough to pay the fees?

There are other attorneys who charge half of that ... ask around.

I filed a Chapter 13 bankruptcy in March this yr. I filed another Chapter 13 in July. Can I file a 3rd and get protection?

The automatic stay will not be imposed in the 3rd one; but you can file a motion to impose it. You'll have to demonstrate good faith in order to...

I did research and found that I can file bankruptcy and qualify for 910 rule soon. Can I file a bankruptcy now and later too?

That sounds doable.

I file chaper 13 4years ago. I have got behind on my mortgage and they are not willing to help me. Is it anything I can.

There are always possibilities. But you haven't provided nearly enough information for us to be of much help. I assume your mortgage payments ...

Chapter 7, No asset discharge, if you forget a creditor, is it still dischargable?

The debt was discharged in 1998. Voluntarily paying a discharged debt does not revive the debt or the interest. See In re Beezley, 994 F.2d 1433,...

What is the nature and purpose of a guardian ad litem?

Generally, a guardian ad litem is a person who stands in the place of a party deemed to be legally incompetent. The guardian ad litem has authority...

55k to pay off 45k over 5 yrs is reasonable considering the Trustee takes anywhere from 5 - 10%, interest is paid on secured debts, and your...

Disbursement to a creditor was disallowed a year ago in my chapter 13 case. It appears from my statement that funds were already

Dy "disallowed" do you mean that an Objection to the Claim was filed and granted? or that the Trustee himself disallowed the claim for some unknown...