It is not fraudulent to maximize exemptions. See California Fraudulent Transfer Act and consult an attorney. That is what exemptions are for. To...

I filed pro se chapter 7 and listed all my creditors but this one company is still sending me emails

You really do not provide enough information to intelligently answer your question. What is wrong with your credit report that you believe should...

Chapter 7 bankruptcy case. Creditor accidently ommited. Now being garnished.

You need to document you provided them notice of the bankruptcy and discharge now. You need to establish the creditor knows about the discharge...

BK AUDIT

I would say that is not a good sign. Did you not provide these documents to your attorney before the case was filed? Pay statements? Bank...

Can I get a lower monthly payment for my car note if I declare a chapter 13. If not then what are my choices?

Anything is negotiable. Try and renegotiate the loan. It is doubtful that will work. You can redeem the vehicle in Chapter 7 or cram down the...

Can a mortgage lender call you less than a month after discharge from chapter 13?

Yes, they can call you. You still have a debt with them right? It is what they are calling you about that is the issue. Did the Chapter 13...

If a creditor has started garnishing wages what affect does filing Chapter 7 bankruptcy have on collections?

1. Who all is notified of your bankruptcy case? Whoever you list in your schedules plus some government agencies; 2. The filing of bankruptcy...

What happens if I file chapter 7 the second time? I last files in 2001.

You can obtain a discharge every 8 years in Chapter 7. The BARF law or Bankruptcy Act Reform Fiasco was effective in 2005. You will now have to...

I'm paying back a student loan. I can't afford the full monthly amount and have been sending $50 a month.

Yes, and you should look into income based repayment (IBR) before going any further.

My ex filed Ch 13 and lists me as a creditor. Child supp. or non pymt of judgement in final decree. Can these be discharged?

I agree with Dorothy. You have what is considered a priority debt and it must be paid back through the Chapter 13 Plan. If you do not file a...