I have been told I am judgment and collection proof. I do not own property, savings account, or even an automobile.

Judgment proof means that you have no assets or money from which a judgement can legally be enforced. Should that be the case I would not recommend...

Need free legal help for chapter 7 bankruptsy

If you have no money to pay an attorney as pointed out by my colleagues very likely there is no way to collect from you either. If your situation...

Is this an unauthorized inquiry on credit report?

It is unauthorized, but I agree with my colleagues in that I would use it as a negotiation technique. See if they are now willing to give you a...

How to proceed after online dispute of credit report failed?

Consult with a local bankruptcy attorney. I have dealt with this with unsecured debt, but not secured debt. Make sure that you document everything...

Currently in Ch. 13 bankruptcy and need to refinance home in about two years as I was on a 7 year fixed rate..

Talk with your attorney right away. You want him/her involved in the discussion. If you were to start a refinance your case can be dismissed or...

Chapter 13 dismissed early or reduce payment?

Talk to your current attorney. There are several factors in your payment among them the income, but also the value of your assets. Since your pay...

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Is bankruptcy right for me?

Based on the debt I would certainly look into it, however there are several other factors to consider as well. Among them would be the value of...

Can my mortgage servicer report on-time payments to the credit bureaus after Chapter 7 Bankruptcy discharge?

This is a very frustrating issue for my clients as well. Any debts that are incurred prior to the filing of the bankruptcy will be "discharged."...

Chapter 7 Bankruptcy transfer issue

It is a transfer, and must be listed in Form 7 (Statement of Financial Affairs), however it will not cause an issue in your bankruptcy as it was...

Probability of getting sued, what should my friend do?

Very unlikely but take this as a lesson learned and I would avoid similar circumstances. While posting can be humorous be careful as you are...