We filed chapter 7 in 2000 and Chapter 13 in 2006, bothe have been dishcharged , can we file chapter 7 again ?

After filing a chapter 13 case that results in a discharge, you generally need to wait 6 years before filing chapter 7. So from what you've said,...

Is this debt included in my husband's bankruptcy?

This depends on whether the bills were discharged in the bankruptcy. Bills from before he filed bankruptcy that were listed in his bankruptcy...

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Should file bankruptcy ?

A bankruptcy can negatively affect your credit, but it has the least effect on people with bad credit already. And the bankruptcy does give you a...

I am currently in foreclosure and on a repayment plan with my bank . my hos just sent me a bill for attorney fees !

You'll probably need an attorney to look at this. Condos can usually charge for "costs of collection" including attorney fees, even if they don't...

Judicial Foreclosure by HOA

After the property is sold, you no longer own it, and thus are not responsible for further HOA dues. However, you are probably responsible for the...

Is there a statue of limitations for a debt collection?

If there is a judgment against you on the debt- and I'm guessing there is- the statute of limitations in Maryland is 12 years. But this runs from...

I will soon be getting a call from a professional debt collector when my wage garnishment is re-issued.

You may be able to negotiate something with your creditors, and bankruptcy may be an option for you, but it's impossible to give you good advice...

Which bankruptcy exemptions apply in my situation?

The general rule under 11 USC § 522(b)(3)(A) is that if you haven't lived in the same state for the past two years, you look at the six-month...

Generally, each person filing bankruptcy should list all of the debts they are liable for. This means that you will both list any debts that you...

How much does it cost to file Personnal Bankrurcy

The short answer is "it depends." Most personal bankruptcies are either chapter 7 or chapter 13, and you can expect to pay a bit over $350 in...