Is it a bad idea to wait

I want to caution you about the defenses to foreclosure for failure to produce the correct documents, etc. Many of these are simply not valid in...

My wife and i are getting a divorce I am in chapter 13 bankruptsy i am the one who filed for bankruptsy not her we had just

You should talk to an attorney immediately. You must list your spouse's income in the means test and sometimes on other documents. The trustee...

You don't need a subpoena, but make sure you really need a Rule 2004 exam before filing a request for it. If you have a feasibility concern, most...

Do I need to file a reaffirmation to keep my home in NC?

You should discuss this with a local attorney, as it depends on your state's real estate laws. Most of my clients do not have to sign a...

If your case is still open, the trustee is allowed to look at your account. You should discuss this with a local attorney who knows your trustee...

Do tax refunds count as an "anticipated increase in income" after filing for bankruptcy?

No, tax refunds do not count as an anticipated increase in your income, unless you have been withholding too much in order to obtain a large tax...

Chapter 7 Bankruptcy Means Test

You should discuss this with your attorney. In some divisions, this would be considered bad faith and could result in problems for you and your...

I filed Chapter 7 in 2008. A mortgage modification in 2010. My condo HOA is still billing late fees now is saying foreclosure

Unfortunately, that legislation has not passed yet. Thus, most HOAs are allowed to foreclose if you are behind on the fees, even if you filed a...

If file Chapter 7, can my condo association still foreclose on my home for not paying last years dues and attorneys fees?

Yes, your association can still foreclose, but they will be temporarily stayed by the bankruptcy. You will have only a few months (and sometimes...

Can surrender my home back to lender during ch 13? I a 24 months into a 54 month plan in NC.

First, congratulations on the pending nuptials. Second, congratulations with sticking with your plan for so long. Third, whether you sell or...