Do I have to keep the same attorney to change from a chapter 13 to a chapter 7?

You are not prohibited from hiring different counsel. Disclaimer: This Post does not constitute legal advice and does not create an...

Reaffirmation in Chapter 7

In general, with a ch. 7, if you want to keep the home you reaffirm or at least pay on both mortgages. You can't discharge the second and not the...

Which debts are discharged in Ch7 bankruptcy?

Well Said.

After Chap 7 discharged of 2nd Mortgage in 2/2009 are we obligated to pay on it

Since you were under chapter 7, the 2nd (and of course the 1st) still hold a valid lien. While, in theory they probably wouldn't foreclose, they...

Foreclosure after Chapter 7

First off, if you're talking about passing the means test, most jurisdictions allow you to deduct secured debt whether or not you plan to reaffirm....

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I need legal advice on Debt/Bankruptcy..

Chapter 7 bankruptcy would certainly stop a judgement/wage garnishment if your friend qualified. However, a thorough understanding of his financial...

A Motion to Lift Stay has been filed. How do I stop this so that I can reaffirm the debt? What do I need to file?

Good point Mr. Goldstein.

A Motion to Lift Stay has been filed. How do I stop this so that I can reaffirm the debt? What do I need to file?

The problem is your delinquency. If you were caught up, they would be mailing your attorney reaffirmation documents right now. You had better...

I amhaving problems finding a nice apt. because I had to file Chapt. 13 last year. Do I have to live with low-life's for 5 yrs?

"Low-Lifes" might be a bit harsh. Many respectable citizens are weak financially. Who knows, your next door neighbor could be in a chapter 13...

Agreed. HOAs are in a pretty good position collection wise. You should probably contact the attorney in writing and let them know that you want to...