My husband and I are way over our heads with credit card debt?

You need and want to enjoy your fresh start also. But your questions cannot be answered until all facts are known. Thus the most important thing...

Is there a time limit on creditors to pick up items that were used as collateral on loans that were not reaffirmed?

No deadline. But why not keep using for free if possible? Or rent it out if you can do legally until they do repo it. You might send a letter...

Reaffirming debt?

As you can already see the answer is NO..you are not reaffirming. I rarely do those but sometimes on mortgages as in my State there is a no...

If i file for bankruptcy could that stop me from being approved for Section 8 housing in GA?

I agree with Attorney Caldwell. You probably want a ch 7 but because an attorney on AVVO does not know all the types of debts we cannot know the...

Bankruptcy chapter 7?

First, the debt owed attorney may be for post petition work and in my view and some court cases that is fine. But if charging for prepetition work....

How long for Cent Ala trustee to approve car loan while in ch. 13.

You need to ask your attorney on the facts of your case. You can try and go around and call trustee and indicate you want to confirm they received...

You are NOT liable for a separate debt of a spouse and in your case the debt was incurred before you married. If the house was refinanced DURING...

Why is my electric bill the same amount as what I put in to chapter 13 bankruptcy

The simple answer is because no one has entered anything in that creditors computer. Also, did you serve on the creditor after filing a notice for...

My car was repossessed yesterday? Will bankruptcy help me get my car back?

Most likely . But I strongly suggest looking at the value of it vs how much is owed on it including repo charges as usually you have no equity and...

I filed chapter 13. The financial company still repo my car 2 months later. I wasnt behind on payments. Can i sue?

Ask your attorney..if none you should obtain one. Did creditor get notice you filed? Did you file prior case recently? Did you call creditor and...