Can I file a chapter 7 bankruptcy with no assets?

Mr. Lampert and Mr. Gambrell are correct. You can file your chapter 7 case again but the question remains whether you will receive a discharge. If...

It sounds like you may have a civil claim and a collections claim. You should consult with a local consumer law attorney.

Is this a bankruptcy, lien or a judgment?

I agree with my colleague Mr. Sinnett. Background check companies are heavily regulated. It is not unlikely that these companies will practice...

Can a collection agency proceed with a judgment if I can make a payments on an account but not the amount they are requesting?

You may be able to set the judgment aside, but this is difficult unless you have a lawyer. Alternatively, you can tell the collection agency you...

When a repo company is out there and something happens to them while trying to get thatcar. Is that vehicleor the person involve

Yes, they can charge you for the impound costs and the daily storage fee. I agree with my colleague that you should try and get a copy of the...

What legal steps do I need to take when a phone company is trying to collect on an account I already paid?

You may have a FDCPA claim. The majority of consumer law attorneys taking FDCPA cases do not charge you for their legal services. Their fees are...

Can i file a claim of exemption

Yes, the private party seeking money damages against you is likely a creditor. Certain income is exempt from collections and exempt in bankruptcy...

Can I use the official FRBP U.S. Bankruptcy Court "Amendment Cover Sheet" to delete a creditor from my Chapter 7 BK case ?

It is best to be overinclusive rather than underinclusive when adding creditors to your schedules. Forgetting to list a creditor, even if the...

What can be done as far as making us sell? It is in BOTH our names I was never notified about the lien only he was

If in fact it is your homestead, you can exempt it and prevent a forced sale. However, even if the sale is prevented from happening, unless the...

So to this merger taking place do I have to worry about having to pay that back legally?

If you have other debts and or cannot afford to payoff debts you may want to consider filing bankruptcy. A bankruptcy will also stop the collection...