If we file Ch 7, should we reaffirm on our mortgage if we have some equity? Can the lender take our house if we don't?
Kevin's answer
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Answered on July 06, 2010
There is no need to reaffirm a mortgage, just keep making the payments on time. Additionally make sure to check the value of your home as if there...
Can I be served papers in California regarding a debt collection by just being left at my door?
Kevin's answer
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Answered on July 06, 2010
They have to personally serve you the papers, most likely the process serve will declare that they did personally serve you. The divorce decree...
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What do I need to include when I serve a creditor the Chapter 13 Plan?
Kevin's answer
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Answered on July 06, 2010
I would highly recommend that you get an attorney to help you, clearly by the amount of questions you have just regarding service of the plan shows...
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What rights does my husband have if being sued by credit card companies?
Kevin's answer
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Answered on July 06, 2010
Since your husband does owe the money fighting it would probably not be worth the effort. Depending on your state law the garnishment amount might...
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Should I file chapter 13?
Kevin's answer
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Answered on July 06, 2010
Your question is a little to vague to answer, but if you need to restructure the debt and you have enough income to do so then it might be a good...
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Health and credit card debt
Kevin's answer
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Answered on July 06, 2010
Your other option is to pay the debts, usually you can call and workout a lower payoff but you need to have some cash on hand to offer the...
Do you have to warn someone so many times before you can send them to collections
Kevin's answer
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Answered on July 06, 2010
Unless something is different in your state there is no need to warn someone before sending them to collections, if your bill is behind you are...
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Can a jointly owned bank account be seized for a crdit card debt in my name only?
Kevin's answer
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Answered on July 06, 2010
Depending on your total financial situation you might want to consider bankruptcy, as it would put a stop to any judgment and any other financial...
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Going from chapter 13 to a chapter 7 and want to keep some items. we are getting divorced.is this possiable
Kevin's answer
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Answered on July 06, 2010
Just as my peer stated I would need more information to answer this question. But if your car was in the chapter 13 as part of the payment it would...
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We filed for chapter 7 I feel that will have to surrender house. What do I have to do after this? When do we have to go?
Kevin's answer
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Answered on July 05, 2010
Currently in California I am seeing the process take nine months or more from when you first stop making payments. The filing of the bankruptcy can...
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