Is " Individual Debtor's statement of Intention" the reaffirmation form?

Just keep making your payments and keep the insurance in place and you will be fine. Don't waste time and money reopening your case. Who cares if...

Chapter 13 vs Chapter 7?

I agree with my colleagues that a Chapter 7 would allow you to shed the $15K debt. However, it also appears you are "judgment proof" meaning your...

Can an individual Chapter 7 asset case debtor sue a trustee (and his attorney) for errors/omissions? Or is the trustee immune?

The debtor and/or debtor's attorney has an obligation to object to any and all inappropriate creditor claims. If no objection is made, the trustee...

As pointed out by others, a wage garnishment order is only served on your employer AFTER the creditor has obtained a court judgment. If you have a...

I filed a Ch.7 bankruptcy petition in 2012. I included in my petition past HOA dues and attorney fees from the law firm trying

HoA debts can accrue post-petition because the debtor continues to reside in the property or still has title in his/her name. Collection costs,...

Iam in default on my student loan. Do they have to notify me before they can take my taxes.

Attorney Tschudy has given you good advice. Take it.

My 1099C's are incorrect stating that I'm personably liable for the debt, help!

A 1099 is a form sent by the lender to the IRS to show that you obtained debt forgiveness. This means you have the amount on the 1099 as "income"...

As you know, you have to really and actually live in the property you're claiming as a homestead. Since the property is already vested in your...

Can I file ch 7 for bankruptcy on 17,000 of credit card and medical bill debt. I am on disability. The debt was prior to my

I concur with the excellent advice offered by my colleagues, particularly Ms. Bunce who suggests just because you can file Chapter 7, should you? ...

How can I re-secure my home in a Chapter 7 asset case?

I concur with the advice/suggestions offered by my colleagues and add that you can convert your case to a Chapter 13 (with the assistance of a...