Re file chapter 13 or debt consolidation?

I'm not sure what you mean by debt consolidation. Beware of companies that take monthly payments from you with the promise that they will negotiate...

Should my spouse, or us both file for bankruptcy?

You didn't say whether both of you are signed onto your debts. If so, I don't see a good reason to not file jointly. I recommend that you consult...

Does a discharge in Chapter 7 mean that all my debt is wiped out, even a UCC-1 that I was not aware of?

There are two issues here regarding that debt for which a UCC-1 was supposedly filed. One issue is whether a lien that was created on your property...

How can I tell if Chapter 13 is the solution for us?

I agree with all the prior replies. I practice in the San Francisco Bay Area and would be happy to offer a free consultation. Click the "For more...

Fed bankruptcy exemptions. Need to know how 2 use the wildcard; Does it double for joint filers? How much total $ could exempt?

Because you moved to California only one year ago, you'll need to use non-California exemptions. Which set you'll need to use, however, isn't...

I just agreed to pay NCO monthly payments on a 5year old debt.It is getting close to the 6 SOL .

I'm afraid the answer is yes, or at least a threat of a valid lawsuit to get you to pay them. The statue of limitations is "restarted" any time you...

I have two real estate properties and I am in a Chapter 7. Which debt will be dischargeable?

You've received several very good answers. I'm wondering why you didn't discuss this matter with your bankruptcy attorney. If the reason is that...

I want to be in Chapter 13 bankruptcy, not Chapter 11, but I have an alimony judgment over the Chapter 13 limit...

Since you don't own any other significant debts, I don't think paying your ex the $40,000 would be considered a preferential payment (preferring...

You've received two good answers. I'll add that that a Chapter 13 bankruptcy is designed for your situation as you describe it. You get to pay the...

How soon can i file for bankruptcy if i lose job

You've received several good answers before mine that lay out different possibilities for you. My simple answer is (1) if for some reason you need...