What can I do once my restitution turns to a civil judgement ?

Yes once it is a civil judgment it should be dischargeable in a bankruptcy. While restitution is not dischargeable, once the status of the debt...

As mentioned the situation is a bit complex. Generally absent a marital agreement to the contrary, assets owned prior to marriage are separate...

Why would a Notice of Motion and Motion for Relief from Automatic Stay be filed if its not even 60-days late?

A secured creditor can file to lift the automatic stay if the secured debt is delinquent. If you filed but missed a payment then the loan is...

Is my retirement 401k money safe in a chapter 7 ?

It is safe within the context that the bankruptcy estate allows for complete exemptions of qualified retirement plans like a 401(k). So you get to...

Can I get out of a garnishment after my chaper13 was dismissed in 2013 and a debt collector which bought one of my debts In 09?

You can file for a Chapter 7 or Chapter 13 180 days after a voluntary dismissal and immediately after a non-voluntary dismissal. Certain...

Will a mortgage lender make payment arrangements with you after a relief of stay was sent? ?

It’s highly subject to the lender. An attorney can try to negotiate them but a lender is under no obligation to do so. There may be options, such...

Keeping our home?

A creditor is not required by law to negotiate a refinance. Your best bet would be to find a mortgage expert in your area and try to have them...

If I am planning to file without my spouse in washington state (community property state) what do I do about auto loans

I agree with Mr. Bayer. You must list the car on the schedule of assets and claim it as exempt. You should also file a statement of intent; and...

Can I file in small claims court in Virginia?

As noted by my colleague, you technically can but the amount in controversy makes the case difficult to recommend. A plane ticket alone would...

As Mr. Hall stated, you can refinance a home during a Chapter 13 plan. Refinancing does require court approval. Alternatively there may be options...