A lawsuit has been filed against me for hospital bills. I have not yet been served. I am trying to negotiate without any luck.

You generally have 30 days from the date you're served to file a proper written response. You'll probably find it easier to negotiate with them if...

Collection agency, I think, left 3 voice mail messages in 3 days threatening to serve me with legal documents.

I think Robert is right. There are several companies that use this scam in the hopes that you will call and send them money. If a creditor/law...

How do i go about getting a exemtion letter for hardship, from a levy that is taken out of my payroll?

If you have a lot of other debt, now may be the time to consult with a bankruptcy attorney.

I'd be surprised if it was. They can ask, you can always say no.

When filing a chapter 7 bankruptcy do I enter a judgment by the credit card name and address or by the law firm's?

Just make sure they're both listed. One way to do it is to list the creditor and amount owed, then list the law firm/lawyer and write "Notice...

I am thinking of filing Ch. 7 Bankrupty but I am not sure I can discharge something. I have a Oregon Labor Board Judgment

If you want a more detailed response, we need to know what the judgment is for and who it is in favor of. Rob...

Chapter 7 bankruptcy

Even though you make more than the "median income," you still might pass the "means test" once you've factored in the allowable deductions. Go get...

If i have a auto title loan, can i file that in ch 7 and keep the vehicle.

The above are all great answers and right on point but let me add one thing. Many times when you have a title loan on a worthless vehicle, the...

Is an SBA loan wiped out in a Chapter 7 Bankruptcy?

Typically your "personal liability" on the debt will be discharged in Chapter 7. The corporation will still owe it and any property you may have...

My Ch.#13 Bk was dismissed in Dec. 2012 (14 months ago). My plan was to file a Ch.#7 but the value of my home went up alot.

If you want more feed back, we'd at least need to know what your house is worth, what you owe on it, how much you make and roughly what your other...