Well said. The main issue is: how good is your insurance? Do you have uninsured motorist coverage? Secure a free consultation with a local Personal...

CH7 VS CH13?

Well said Mr. Polk. I would add that another great tool in a chapter 13 is the ability to lienstrip. In certain circumstances, a 2nd mortgage...

How long to file bankrutpcy?

Agreed. If you have completed your pre-petition counseling, you have done your part to help the process along. The petition is quite involved....

What does insolvent mean

Here's another: When liabilities exceed assets = insolvency Disclaimer: This Post does NOT constitute legal advice and does NOT create an...

My husband and I have a partner in a piece of property that is filing for bankruptcy

I might add that you should reduce your current arrangement to writing and look into doing a transfer if and when it is appropriate. Disclaimer:...

I had a credit card with chase bank in 2005

It may be charged off by now and/or sold to a collection agency. Often, initiating or allowing contact with an older creditor can "Refresh" the...

Got email

No experience with them but you may want to google them. As an attorney, I find an email out of nowhere to be highly suspect. The internet is a...

I have about $45,000 in credit card debt and income is 1/3 of what it used to. Is bankruptcy my only option.

Agreed. If you haven't done so yet, you should consult an attorney in the Riverside area. I do practice bankruptcy in Riverside, CA. It sounds as...

Are you able to negotiate a payment arrangement after a lawsuit has been filed against you?

With the limited info I see: I would say generally yes...if the other party is willing. What you are really talking about is a settlement...

Where would I find this course I need to take? Who would I go to talk to to sign up?

While I don't usually endorse any particular financial management course, there are lists of such courses as approved by the US Trustee at:...