Can I still effectively negotiate a settlement with a creditor after being served?

First of all, get it out of your head that any creditor is going to be more willing to work with you when you threaten bankruptcy. If that worked,...

What is the difference between and "authorized user" and an "additional user" on a credit card account ?

This is not set in stone, but it's been my experience that an authorized user is authorized to use the same credit card but an additional user is...

Can I refile my bankruptcy case?

Your facts suggest that you were in a Ch13 which was dismissed for failure to keep up the monthly payments. Your car is at immediate risk of...

Filed chapter 7 bankruptcy 6 years ago and included judgment creditor. They filed an abstract w/ county. Now I bought home?

You are correct. a "lien" for a discharged debt cannot attach to property acquired after the BK. The title company, of course, doesn't seem to...

When you are an additional user on a credit card - what liability is there when filing bankruptcy?

Most people are misinformed about the term "authorized/additional user". If you were merely an authorized/additional user, your soc sec no would...

What do I do about a shared credit card if I file bankruptcy

You are not required to list a creditor to whom you owe no money. Just FYI, if he did NOT pay it off, (a) you would still be personally discharged...

Bankruptcy after divorce ?

He can't take you to court while you are in your BK (approx 3 months); but he may be able to after the BK because it's likely that your obligation...

If I have a primary residence home loan is there any problem for my boyfriend to live with me during the first year?

As long as it's YOUR primary residence, it doesn't matter who else lives there with you.

Is it possible to get a title to my car if I've had it for more than a year after Chapter 13 bankruptcy?

To answer your question ... the only way to get the title to your car is to pay for it to the extent necessary for the lender to reconvey the...

I already answered this question in another category ... you need a Chapter 13