Am I Judgment Proof

This is, unfortunately, a fairly common situation. There is no way to really challenge those bills. Unless the hospital's actions were completely...

Equity of my real property?

1) You should get an appraisal; the fee will be nothing compared to the future headache if you don't get one. A qualified appraisal simply is the...

List my wife as co-debtor?

1) Yes. The directions for Schedule H make that clear. 2) It depends. You will need to consult with a family law attorney on this question. If...

No, you cannot go to jail for failing to pay a bill. They can sue you for the deficiency. Threatening criminal action is standard debt collection...

Settled HELOC now house has equity - can I sell in BK?

You're being too "creative" by half. You generally cannot use Chapter 7 to discharge tax obligations -- incurred or assessed -- less than three...

After obtaining discharge in Chapter 7, does the bankruptcy case close and foreclosure proceed without having to lift the stay?

Yes. After discharge, the Chapter 7 case will be closed since there is nothing else to do. At that point, the lender will be able to proceed with...

We are in a chapter 13 and are trying to convert to a chapter 7 from a different state do we need to be present?

As Attorney Marcus said, you generally only have to make one appearance in a Chapter 7, the meeting of the creditors before the Chapter 7 trustee....

Can a collection agency file a lawsuit against me for non-payment?

Threatening you with criminal prosecution -- whether or not justified -- is blackmail. But payday loan agencies do this all the time over the phone...

Can I protect our children from my husband's gambling debts?

Mr. Gotzh has it right: separate and file for divorce. Get a family lawyer involved and get a court order requiring that child support be garnished...

Who's resposible for HOA fees after bankruptcy but before foreclosure is completed.

Some HOA fees receive special protection under the Bankruptcy Code. HOA fees or assessments "that become due and payable after the order for relief...