Credit Report on Bankruptcy Voluntary Petition

"Charged off" doesn't mean that you're not liable for the debt. "Charged off" simply means that the specific lender is no longer claiming that...

Can I discharge marital debt I owe my wife if I file for bankruptcy prior to our divorce becoming final?

Some types of "martial debt" are dischargable during bankruptcy. Others may not be. You need to speak with a divorce attorney to see how the...

How can I protect my home pt. 2

You need to post more facts on this thread. Most attorneys that reply to questions reply to hundreds a week and generally don't remember a...

How does homestead work in bankruptcy?

My colleagues are correct about the homestead exemption, it protects a certain amount of equity in your property from creditors. In other words,...

California anti-deficiency law applies to foreclosures, what happens to the difficiency if there is a shortsale instead?

Although California is a "non-recourse" state that only applies to purchase money loans in foreclosure. Unfortunately, this doesn't apply to most...

Why the bank insist on us signing a letter for responsability before they approve the ssale?

This is common among short sales lately. The second sometimes requires a deficiency agreement before accepting the short sale. However, you are...

How do I delay foreclosure by asking for "the note" from the bank?

You can ask for what is called a "Qualified Written Request" (QWR) under RESPA. However, I don't know that it will prevent or postpone a...

This is a very common issue with restaurant workers. Contact my office and we will discuss your options. Chances are there are additional claims...

I'm a food server and don't recieve meal breaks after six hours.

Yes. This is very common among restaurant workers. However, if there is a violation of the meal period laws, there are possibly other labor code...

In California, is there a way to remove my name from our property to protect my credit?

If your name is not on the loan then the foreclosure will not affect your credit. it only affects your credit if you're a borrower. You should...