How does my filing bankruptcy affect my home? in California.

You can file chapter 7 and you will be able to protect $75k of equity. Since you are on the property as joint tenants, your equity is only 50% of...

Do I need a real estate or mortgage attorney?

You need to call a surplus funds attorney who will be able to represent you by filing the proper claim in the court. If the funds are yours and...

I agree with my colleague. There may be a violation of HOBR here which will give you cause to go into court. Call a foreclosure attorney and...

I lost my home to a foreclosure. There is a balance owed to me of $13,000. How do In get this?

Call an attorney who handles surplus fund cases so they can look and see if you do in fact have surplus funds. If there are surplus funds they may...

Would I qualify for Chapter 7, and what would I need to get started?

It seems like you would be a good chapter 7 candidate to get rid of all that bad debt and start fresh. You will need to have a more in depth...

I am thinking about filing for chapter 13 because I got a big debt that was considered non dischargeable in a previous Chap. 7

Most likely you can avoid the lien to be discharged as an unsecured debt upon completion of your chapter 13 plan. Your plan will be proposed to the...

Is it worth me filing for bankruptcy if I owe less than $10k in debt? What is the usual filing fee?

It may make sense for you if you have limited income and are not able to make payments on that debt any more; especially if you have missed monthly...

I'm thinking about filing bankruptcy. What do I need to do. I have not paid my bills in 10 months

Call a couple bankruptcy attorneys and even meet with them in person - most offer free consultations. Go with the attorney who you think will do...

Is " Individual Debtor's statement of Intention" the reaffirmation form?

The statement of intention is what you intend to do. After that you would have needed to sign a "reaffirmation agreement" with your car finance...

Chapter 13 vs Chapter 7?

You sound like a good candidate for a Chapter 7 bankruptcy. This will wipe out all your unsecured debt and the landlord deficiency. This will give...