Can we be forced to give up our cell phones or cable tv if I file for ch. 7 and my husband does not.

First, I would consider giving them both up and obtaining cheaper plans as in the long run there is always a cheaper plan. Second you did not...

What can I do to stop the garnishment?

Only reaching an agreement with creditor on monthly payments or settlement, paying off the debt in full or filing bankruptcy can stop the...

How do I protect my assists, what are my options regarding a hospital bill for my wife that passed away.

Noone can answer your case as we don't know assets, liabilities, income, etc. And asking that means you have NOT sat down with an experienced...

Chapter 7 Bankruptcy Closure

No. But wait about 12 days later and then call court clerk and indicate you did obtain discharge but want to know if case is closed! My clients do...

Is there any way to have my chapter 13 case discharged or am I forced to stay in active chapter 13 for 8 to 9 years?

Sounds like you don't have an attorney which is a mistake. If you do, why are you not asking that attorney who has the files of what you filed with...

Should I let these cos. get judgements against me since I have nothing or should I consider bankruptcy?can my SS be attached

It appears you cannot afford that debt that the user ran up..and sorry to hear about that. But we don't know the equity in all your assets and thus...

Is it a good idea to apply for a small credit card before a bankruptcy is discharged, in order to rebuild credit?

Yes..get 2 I suggest to my clients and pay off every month. Order all of your 3 credit reports later after discharge and object to any...

Is the IRA safe to finalize a Chapter 7 with personal tax returns but not corporate returns complete ?

First, you should NOT rely on my advice but to seek a local experienced bankruptcy attorney for such advice based on the rules where you reside now...

How many months do I have to make the payments so that they can continue (if they can) in a 13?

Not enough facts are known to advise even why you are filing a ch 13 instead of a ch 7. Many persons seeking my advice state ahead of time they...

Glad you are helping your son. Because he moved also to Hawaii at some point affects advice as far as assets too you will see further below. But...