Can I file bankruptcy separate from my husband?

Yes. You may file a bankruptcy without your husband. His income will be considered to make sure you qualify for a chapter 7 or will be forced to...

Will a lender not lend you money to refinance your home if we disagree to reaffirm the loan?

If you filed a bankruptcy more than 4 years ago and your case was closed in the ordinary course, the deadline to reaffirm the debt has expired. ...

There is no specific time that the CMA or appraisal expires. It is a matter of what your trustee in your jurisdiction will feel comfortable...

Can i add debt to a chapter 7 bankruptcy that my wife filed alone?

you should consult a local bankruptcy lawyer as soon as possible. Most will give you a consultation for free. Your wife is obligated to list all...

A friend of mine must file chapter 7 in order to save his car. He lives in NJ. unable to afford an attorney so

Filing chapter 7 may not save his car. It will depend upon the amount of equity in the vehicle. He should consult a lawyer. Most provide free...

Yes. You should contact your attorney immediately. The creditor should receive written notification that the debt has been discharged and that it...

A lien has been placed against me. How can I have this lien removed?

You want to consult a bankruptcy attorney sooner rather than later. If the lien is perfected against an asset it could prove difficult to remove. ...

Can filing bankruptcy make me judgement-proof?

The term "judgment proof" usually refers to the situation when a creditor obtains a judgment against an individual but cannot collect on the...

When a judgement is put against you how do they find out where you work to garnish your wages for CC debt?

You should consult a bankruptcy attorney. The creditor is going to find out not only where you work, but where you bank and the location of any...

The mailing matrix?

You should list both. More notice is always better than less. The matrix is a separate list of all the creditors and notice parties with their...