Can you be put into a chapter 7 without wanting to be?

Individuals can be forced into a chapter 7 case by providing the alternative of dismissal, which could be worse. However neither an individual nor...

What can I do about Bank of America continuing to harass me after Chapter 7 discharge 1/2010?

You need to send one final letter, certified, return receipt requeste. Put in it all the data about the peoperty - address, loan numbers, name &...

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Years ago Congress changed the treatment of student loans in bankruptcy - it made them not dischargeable unless the debtor filed a lawsuit in the...

Where is personal jurisdiction for a fraudulent transfer claim?

Is this a bankruptcy case; is one of these transferees/transferors a party in a bankruptcy? If so, you might be able to add the jurisdiction of...

Should I sign the debt collector Settlement Release?

For starters, write them and tell them you are to be put on "correspondence status" so telephone calls stop and everything is in writing. I would...

In my experience, everything is reportable to credit reporting agencies (Experian, etc.). I have found that it is very helpful if you call the...

We recently filed Chapter 7, kept our house and HELOC. What will happen to the HELOC if the house gets foreclosed?

Generally, if the first mortgage forecloses, the junior mortgage becomes a sold out junior and that debt is unsecured. It is possible to do this...

How can myself and the co-signer both be sued for a deficiency balance after a repo?

The creditor can sue as many people as they can find who are legitimately liable for the debt. What the creditor cannot do is to collect more than...

Bankruptcy file

If the trustee abandoned claims, they must have been abandoned TO someone - did they go back to the debtor as often happens? Find out the...

What can I do to remove a derogatory item from my credit report that I have proven is not mine?

Credit reporting agencies feel they have great powers to mindlessly ruin other people's credit. However, both the reporting agency (Experian,...