What are my options? I feel like I'm being robbed.

You should discuss this with an experienced real estate construction lien attorney is my advice if and when he places a lien on your house. You can...

Can i file bankruptcy or at least get a chapter 13 . I realize my credit may be destroyed but I need counseling.

Attorney Gambrell, as usual, has an excellent answer. I only add that if they finally sue you they can get a judgment and then it is only...

You might want to ask for a copy of all bylaws and rules of the complex to see what rules govern., Then if there are none, ask the manager there...

Can I sue them for debt harassment?

I would first call the supervisor or manager and indicate you don't want any other calls and you have no debt owed them. Indicate you have not...

How do i recuperate $650 to modify my ch 13 as a result of someone hitting my car, resulting in a total loss?

You would pay the attorney fees inside your ch 13 plan as modified. But you need to change as right now the plan is paying payments on a car that...

When should I get a secured credit card? Before or after filing for a Chapter 7 bankruptcy?

Because you don't know for sure what the creditor will do (and I estimate 99% will cancel your card after you file), obtain one after your petition...

Can I sell my car to my child before bankruptcy for fair market value?

Some persons have 10 cars..it is the value of all assets, the equity and what states exemptions that govern you. Secondly, as long as you sell...

You have read those other answers by now so I wont repeat them. But other issues and facts can greatly affect your case and you do NOT want to file...

Should we tell the debt collector that we will soon be filing Chapter 7 in order to avoid further legal action?

I advise my clients to in fact let any such collector KNOW you have hired me once you paid at least $100 of our fee..see what your attorney states...

the facts, common sense, life's learnings, your past purchases, etc. All those go into that formula..nothing magical. Allowable is not on that...