Being here in Sacramento for 37 years I have come to know intimately the workings of both the Bankruptcy Courts & Judges as well as the Chapter 13...

I assume that the $100,000 equity that you are talking about is equity in your home. If that is correct, there are 4 possibilities. 1) If you...

MY SPOUCSE WAS MY SSI BENIFITS PAYEE , HE BEAT ME UP I LEFT HIM . IT TOOK ME 3 MONTHES TOO GET A CHANGE OF PAYEE. HE WROTE A

You should also report it as a crime. It sounds like your ex is ripping you off. Identity theft is a criminal act. If you want to have any chance...

Can the IRS garnish your wages on accounts that have been closed for over seven years?

Unfortunately the answer is "yes" they can grab money out of your wages. While they can take money, a bankruptcy may be able to get rid of other...

When should a person file for bankruptcy

No attorney should tell you whether or not bankruptcy is appropriate without first going over income, assets (things and rights you have), living...

Ths simple answer is YES. It is done all the time. bankruptcy terminates contractual obligations.

What is the difference between an Automatic Exemption Homestead and a Declared Homestead?

the first thing you may want to do is NOT sell the home at this time. There is legislation in process now that will increase the homestead...

Can they still collect on this debt after 8 years.

I am not going to rehash the answers by the attorneys who have responded. I think they are dead on right. Using false or misleading statements is a...

Bankruptcy choices?

If you have a new family, why would you not want to at least find out if the debt can be discharged? By not filing a bankruptcy you are taking away...

Chapter 7 in California

First, who owns the insurance contract? You said that "they both have universal life insurance..." I assume that YOU are the owner. In that case...