What happens when some or ALL parties(defendants) donot answer the adversary summons in Bankruptcy 13 court? Judge decides?

If you don't have an attorney, employ one now. If you do, not sure why you are on AVVO as that is what employment of one is for. Second, if you...

1: How do go about canceling them? 2: We have been paying on both during the bankruptcy, are we due that money back?

Look right at your reaffirmation agreement. It tells you what to do. Make sure you follow the law exactly and use and or obtain PROOF that they...

What can I do in this situation? I am worried that I won't be able to afford the tow bill (which is growing)

Get the bill paid and then worry about the other issues as every day more $ accrues. If you think you are right explain to them why and see what...

So how do I present 2015 tax return to bankruptcy court if I don't need to file?

The rule says to provide the last FILED tax return..whatever year that is that is the one!

First, you cannot incur new debts w/o a court order so if intending to borrow about the funds you would need court permission. Second, to use...

How do I respond to being threatened with a lawsuit?

Threatening and suing are 2 different things too. If they do sue, a possible statute of limitations defense may exist. Don't pay one penny if it...

Will I have any responsibility whatsoever for repayment? Will it affect my credit?

I will only add that although you are not liable as not in a community property state either, later in life if any default and they obtain a...

First, which state law must be ascertained. If you did the work in MO then that law governs. Second, each state has their own lien laws....

What would the statue of limitations be for a unsecured loan?

Because you dismissed your case all penalties and interest and attorney fees accrued all this time. WHAT state's laws govern depends on the...

What legal recourse do I have to stop this harassment?

First, document, document, document. Write down who you speak to and date and time. Second, make sure you actually listed any such creditor...