If you've already "gifted" the car, you cannot claim it as exempt. You need to get it back in your name to have a chance to fully exempt it. If...

If im in a bankruptcy and im about to be discharged there is a sale date on my property .trying to get a loan mod .

Assuming there is no stay (after a motion for relief, after discharge or after dismissal), you pick up new rights under the CA Homeowner Bill of...

After a homeowner defaults on a 2nd mortgage can a mortgage servicer or lender wait 10 years to start foreclosure proceedings?

Yes...assuming you borrowed money and pledged the home as collateral (signed a deed of trust). Your personal liability can be discharged in a...

Anyone here has dealt with the city of San Diego biz loan settlement?

Yes. But the outcome will be affected by when, and whether, the city attached the lien or if the encumbrance is a result of a voluntarily ...

I may need to do ch 13. i can't provide details now but i may need law office which does bankruptcy/foreclosure prevention

Check out potential attorney's online reputation and state bar record. Ch13 Attorney fees for a basic case are set by the Central District at...

Do I need to hire a attorney for refinance documents?

Have a mortgage attorney review all refi documents before you sign anything.

I have been in a chapter13 for 3 years and have 2 more years left should I pay remaining balance?

It depends on the details of the BK and the loan. Have the loan docs reviewed by a mortgage attorney if your BK attorney does not handle refi work.

Can a servicer transfer the servicing rights and the deed of trust if you are in active litigation against the first servicer

Yes (Unless a bankruptcy stay, RESPA or the CA Homeowner Bill of Rights were "in effect"). Generally speaking, only the owner of a home can...

My lender filed and recorded a notice of default in 2012. 'They gave me a temporary loan mod. for 2 years which I completed. Now

To answer that question, a review of the document evidencing the "temporary loan mod" is necessary. The devil is in the details: if not new...

Can I have a lien removed from my property without doing the bankruptcy?

Your recourse includes satisfying the debt that you promised to repay. Lets not forget why the lender was willing to give you money...it was leap...