You might amend your question to indicate if you in fact have lived in NJ MORE than the last 2 years as that affects what exemptions apply to your...

I need to buy a car, but will require a cosigner. My cosigner is in Ch 13 active BK. Can he cosign for a new loan?

Attorney Burr indicates the judge's order approving is required. Almost all court orders approving plans provide the debtor cannot incur new...

Simple. Look at the Plan! Does it state you are being paid outside the Plan? If so, then you are fine as long as that is in fact paid. Look at the...

How many times can a person file Chapter 13

If in fact you cannot afford the debts why not file a ch 7 to discharge those that are dischargeable? No attorney can advise w/o knowing all the...

Declare bankruptcy

No attorney can answer the question of "how will it affect my future?". Why? Because you file bankruptcy really one for 2 things as I will discuss...

So, I am ONLY behind with one creditor (2 months), therefore, should I make a payment to that creditor and then file C7?

I would not pay at all if dischargeable debt. Acre dior w limited exceptions cannot garnish till they get judgment and cant get it till they sue...

Why would the score drop so much 2 mos later after filing bankruptcy?

Because you filed that ends up sooner or later on credit report and filing lowers your score. The good news is 2 months after you file get all 3...

What is the statue of limitations on medical bills in our state

First, there is always a question of what states laws apply on any matter. Second, assuming it is Washington law governing, most contracts is a...

Because if your case was dismissed it means or acts as if never filed which you should know. Thus, all late fees, interest, etc..all are added back...

Who would I report with on a possible discrepancy with my chapter 13 Attorney and Trustee?

You signed your plan under penalty of perjury after reviewing., Thus, I assume you read it. The threshold issue in your case is are you a "means...