I agree with all the prior answers. I would suggest to schedule a consultation with one of the bankruptcy lawyers here on AVVO as they all can...

The bankruptcy process is separate from the modification process. However, lenders may have internal policies where if a bankruptcy is filed before...

Yes. It sounds like you can likely use bankruptcy exemptions to protect what you have. I suggest you to talk to a bankruptcy lawyer about this and...

If you are not using the bankruptcy exemptions to protect the equity in your home then the Trustee can do a motion to sell your home to payoff your...

That is likely a good thing. They are dropping the lawsuit against you.

You may be able to file a chapter 13 bankruptcy to payoff the HELOC balance. If negotiating with them does not work for a lower balance then the...

You look at the prior full 6 months for purposes of the means test. If you are below median income for your household size then you do not need to...

If you need to stop the wage garnishment you can file bankruptcy. Bankruptcy stops wage garnishments. I recommend to schedule a time to speak with...

Without prejudice is generally not of concern. If you paid them in full they should not sue you again. The "Settled in Full" letter is your proof...

I would suggest to consult with a bankruptcy attorney to dive into more if you can reopen your case or even file a new bankruptcy case to see if...