I have a lump sum to pay-how can I neogiate my student loan down

Student loans lenders are like most lenders. They really don't want to re-negotiate the terms of the loan. But they also really want to be paid...

Bankruptcy after sheriff levies account... only way to get money back by avoiding lien?

Sometimes all you need to do is ask. I have had clients with similar circumstances and we were able to get the Sheriff to release the money back...

My previous business vendor and credit card companies are ready to garnish my wages

In California an employer is not allowed to terminate an employee because of a wage garnishment. However, to say it would not have at least a...

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Chapter 7 "Motion to Avoid" lien Q: judgment record w/county on real prop. Attaches to both my home and rental. Avoid? 704exempt

The determination of which set of exemptions to use when you are close to the maximum always requires a careful analysis and some familiarity with...

Recd a settlement (8mos ago). Wasn't huge. Terms were "Confidential". How can I disclose in chapter 7 while not breaching confid

You should have an attorney review the terms of the confidential agreement to determine exactly what is confidential. If your claim was filed as a...

I was wondering about how to file for bankrupctsy and what should i excpect after i do?

If you are thinking of avoiding the most obvious answer, get legal help, then you can find a few DYI books to guide you. My experience is that...

727(a)(4) - How to show a debtor acted "knowingly" and with "fraudulent intent"?

Proving fraud and intent is usually difficult in any legal setting. One of the most challenging things to prove is the dishonesty of a skilled...

What happens to my home loan when the co borrower claims bankruptcy?

It sounds like you are in possession of the home. He is no longer liable to pay on the home loan. You are 100% responsible for the payments. ...

I filed for bankruptcy and received a discharge. A school is trying to still collect a tuition bill from me

If a creditor continues attempts to collect a discharged debt it runs the risk of penalties for violation of the bankruptcy discharge injunction. ...

Schedule 1 current income - form for ch 13 bankruptcy

A self employed debtor (even on the side) is required to provide income and expense disclosure related to the gross receipts and the expenses of...