Are we in a position to ask for a reconveyance of the he-loc, or negotiate a settled payoff amount to close out the he-loc?

From your fact pattern it appears that the HELOC was on house A and you still own House A. Accordingly, that lien is still on House A. When you go...

Does the "means test" mean they will consider all income for the past 6 months. do we have to wait 6 months to file

If your husband will no linger be working, the means test is somewhat diminished in importance because of the Lanning case. Don't try bankruptcy...

Selected as the best answer

An adversary proceeding is like any other federal litigation. Typically takes nine months to a year but could go longer depending on the...

Is there time period before filing Chap. 11 BK petitioner is precluded from selling/transferring real property?

There is a four year look back on fraudulent transfers of real estate in California. There is a one year look back on non fraudulent transfers to...

Which is more damaging to my credit score; debt management or bankruptcy?

You will be much better off putting the $213 towards a bankruptcy attorney. If the debt management company is like most of them, the fine print in...

I agree with Attorney Rausa. Absent some reason to suspect fraud or an inheritance, I see no reason why a trustee would check a bank account once...

If you have the annual fee, the bank has the box. Just because you filed bankruptcy, it doesn't mean you lost your right to enter into a contract.

e all seem to have a similar Beezlley template. Beezley was reaffirmed by the Ninth Circuit in White v Nielsen (In re Nielsen) (9th Cir 2004)...

What are the steps to filing a Judgement Debtor Exam? What are the steps to sending a subpoena to debtor employer?

You do all this by hiring a lawyer who specializes in collections. I also suggest that you do a little research on the internet to get yourself...

Filing Chapter 13 bankruptcy

I suspect your husband has "exemption issues" and is trying to figure out a way to keep the house. If you go along with his scheme you may become...