Do we need Trustee approval for mortgage reaffirmation.

Once the chapter 7 case is closed debtors are free to incur new debt including new mortgages.

Settlement is possible and the earlier you can strike a deal the less legal fees the creditor will have racked up. If you can reach a settlement...

Are the pro Mono attorneys for chapter 7 case ? Doesn't it look bad if you can pay a attorney but not your bills ?

Debtors with attorneys are not looked at badly. In fact, the court appreciates that the schedules and other paperwork is in order and usually more...

Appealing time - barred judgment

It sounds like this company may have purchased the debt for a fraction of the amount. Since the overall amount is small, settlement is probably...

Went for debtors exam today, how do I find out what was decided after I left?

If there are no specific issues raised by the examiner that's usually a good sign. When there are issues the debtor is asked to provide additional...

Do you think the court will let me pay my fine payment a few days late?

It's best to inform the court of your financial circumstances prior to being late.

Can I sue Wells Fargo from any state? I live in CA, moving to NYC. They added me to a joint account, but I was only auth user!

They can be sued in any state because they have an ongoing presence in any state so jurisdiction is proper.

Can I sell my "right-to-sell" (using a power of atty) my home in order to avoid foreclosure?

A property can be sold at any point prior to the actual foreclosure sale but to remove the mortgage lien it would need to be paid by the buyer.

Statute of limitation applies when sufficient time has passed according to the state you live in and the type of debt. The challenging part is...

Is there a specific amount in restitution you must pay upfront?

Restitution normally cannot be eliminated in bankruptcy. However, your best bet is to request a payment plan that is fair according to your income...