House foreclosed on five years ago, satisfied first mortgage but not the second mortgage. Is the second still "secured"?

The secured mortgage is now an unsecured debt. Even though you no longer own the home, you are still financially responsible for repaying the...

My bankruptcy was discharged on9/7/11...I just got a letter from the trustee that we have to send her copies of our 2011 tax

She cannot take the portion of the tax refund that is attributable to the child tax credit or earned income credit. However, she has a right to...

You can certainly ask the trustee, but the trustee is going to keep the portion of the tax refund that belongs to the bankruptcy estate....

I wanted to know can my pad day loans be included when I file bankruptcy?

You can file either Chapter 7 or 13 to get rid of pay day loans, which chapter you file will depend on your income and filing size. Bankruptcy...

How can I avoid filing for bankruptcy if I am one of two parties involved in an outstanding debt of $120,000?

Given the math, you probably can't avoid bankruptcy. The creditor has the right to pursue you because you signed the lease and it doesn't matter...

My bankruptcy was discharged earlyer this month. I did not reaffim my car loan. What happens now??

The lender will not send statements as they do not want to violate the FDCPA. However, as long as you make your payments, you can keep your car.

How long is a lien on my home valid in colorado

The lien stays on the home until you sell or transfer the property.

Do I have to acknowledge this pattern interrogatory?

Absolutely. The failure to answer would be contempt of court and you could serve jail time. It is a serious issue and better to address it than...

I filed ch 7 last year & reaffirmed my mortgage. If I choose foreclosure now, will I still ne liable?

Yes, that is a consequence of reaffirming a mortgage after filing Chapter 7. You would be better to short sale the property than let it go into...

I got summons to court by a debt collector, i was going to sign a non judgment stipulation but they wont give me validation

The validation rights were earlier in the collection process. If the case goes to court, then the creditor will certainly have to validate the...