Wage garnishment help

Most people in your situation (unable to pay the debt in full) file bankruptcy to stop the wage garnishment. Whether it is chapter 7 or ch. 13,...

Do We have a chance at keeping our home?

I take a practical approach to the foreclosure issue, do you want to resolve the issue of how to save your home, or do you want to litigate with...

You may have other options to retain the home. You should consult a bankruptcy attorney. You may qualify to file a chapter 13 bankruptcy which is a...

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What are my options if soon to be ex-husband doesn't want to save the home from foreclosure?

Yes, chapter 13 will stop the foreclosure. One party on the mortgage or on the title to the home can file chapter 13. My web site describes chapter...

Yes some bankruptcy attorneys offer payment plans. You will have to have that payment plan paid prior to filing the bankruptcy case -- except for...

Can payday loans listed on a chapter 13?

Yes, payday loans can be listed in chapter 13 and in chapter7. They are like any other unsecured debt. Medical bills, collection bills of any kind...

Mortgage Discharged?

The mortgage itself was not discharged. Your personal responsibility for the mortgage was relieved by the bankruptcy discharge. The lien remains...

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Can my spouse, whom I'm currently separated from, file a Chapter 7 Bankruptcy?

I agree that assuming he is eligible to file bankruptcy, there is nothing to prevent him from pursuing that route now, though it sounds like you...

One option is to look into a loan modification for both loans. This option may allow you to reduce your payment amounts to both lenders. At the...

Student Loan

A better option that you may have over looked is an income based repayment plan. Rather than try to discharge your student loan debt-- which...