We filed a chap. 13 a year ago after being told that our wages to too high to file a Chap. 7.

There is an assumption-- indeed, a requirement in most cases-- that your Plan provides for you to pay all of your disposable income into your Plan....

If a chapter 7 trustee decides to shortsale your house, are you still the owner and can you determine when it is shown?

Mr. Schnieder makes a several good points in his answer. I would add that the short sale process may benefit you in a couple of ways. First, it...

Home Loan Modification with Bank of America

I have found Bank of America is actually more on-the-ball than many other lenders over the past year or so when it comes to loan mod review. Why...

Can a Civil suit be filled against me after a bankruptcy has been discharged?

Here in Washington, debt to an unsecured creditor who does not receive notice of a chapter 7 bankruptcy filing is discharged regardless of lack of...

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Is it possible to do a chapter 7 or 13 bankruptcy for someone with no late payments on any of the debt?

It is common for people to continue to pay their debts, and maintain good credit, while they cut their personal budgets to the bone. As other...

I agree with the answers given so far, particularly regarding the garnishment that occurred after your filing -- they have no right to keep that...

How can I find out who and how much I owe for chapter 7?

In addition to the credit report that you or your attorney can access, you'll need to keep in mind some debts may not appear on your credit report....

Can I add mortgage later after chapter 13 application?

If your income and expenses allow it, you may be able to amend your Chapter 13 Plan to provide for you to bring your mortgage current during your...

Please, I need to know if I can change my mind at the meeting of creditors to officially surrender vehicle eventhough...

Your statement of intention is not binding on you. If you do not go all the way through the process of reaffirming the debt, and having the court...

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Are pre HOA dues dismissed after filing Chapter 7 even if they were not specifically listed in the bankruptcy ?

I am going to assume for the sake of simplicity that you had a no-asset chapter 7, since this is the case in most chapter 7s. Pre-filing dues will...