If someone is unable to timely repay their debts, they are bankrupt. Filing bankruptcy to get out of debt is not fraud - it's what people do.

As Mr Michel suggested, with no assets besides your house and Social Security income, you will almost certainly qualify for a Chapter 7 bankruptcy...

The answer to your question is, "more than seven months".

The short answer is 'No - you do NOT Have to file bankruptcy'; but it might be a good idea nevertheless. If the lien you are referring to is a...

If a debt was secured by fraud, it is still dischargeable in Debtor's BK unless the creditor (1) TIMELY (within 60 days of the initial Meeting of...

In an uncontested divorce, I can't imagine that where the Respondent was standing when he signed the FL-117 makes any difference whatsoever.

I agree with my colleague. It is the debt itself which can make debtors in law enforcement and other government positions (border patrol, ...)...

Yes - the 2nd can foreclose without the approval of the 1st ... they simply take/sell the property subject to the senior lien(s). If you have...

We would need more facts to answer your question. If you received a Ch7 Discharge in 2016, I would assume you filed that case approximately 3...

It is unclear to me how the 35k you missed during COVID turned into 100k ... you mention a prior loan modification which, apparently, did not...