HAMP is available and often times more plausible after 7 because of income/debt ratios. From my limited experience, about 10% of my clients have...

I believe they all went bankrupt. That said, there are many organizations that do provide no cost or low cost legal services for the needy. For...

How can I tell whether or not I can exempt my University of CA pension in chapter 7 bankruptcy under CA's 703? Its an annuity

ERISA qualified retirement plans are protected under Federal Law so you can use 704 or 703 exemptions. Remeber however that pension payments are...

In CA bankruptcy means test, how do I break down my taxes? Does CA SDI get listed under taxes or disability? Use stubs my 1040?

I add up all the taxes from last year and divide by 12, including SDI. I second the above advice. Don't file without an attorney if you're above...

Court Reporting Agency Owner Has Filed Chapter 7 - Never Paid Reporters for Transcripts Although She Was Paid

It's not gonna hurt to talk to a lawyer in person, especially if you can get a free consultation. That said, as independant contractors you are in...

Why did the Mortgagor file to lift the Automatic stay and commence foreclosrre proceedings when I have surrendered

Even though your intention is to surrender, the lender must get permission from the court to proceed or wait for your case to close. This is...

Surrendering home in chapter 7 in california. Do I need to list the back property taxes I owe on the petition? How?

You list everything you owe, period. That said, the tax runs with the property and the next owner will end up footing the bill. List it on...

Debts discharged in CH 7 including mortgages 1 & 2. Tried to keep paying but have fallen behind. Should I walk away

Don't know enough to give you specific advice. Generally however, once your personal liability has been discharged through a chapter 7, you might...

Frank is right on the money but let me add two points that might be relevant to you. First, if you have assets which exceed your available...

Am in chapter 7 bankruptcy & just sold car (was running bad & I need good car); I just found out wasn't to do that. what do i do

How much was your car worth? How much did you sell it for? And did you properly list and exempt it on schedules B & C? Let us know so we can...