Property surrendered in discharged bankruptcy, no reaffirmation signed, find self in foreclosure, am I liable for deficiency?

Not for mortgage ever. Stay there for free as long as you can! If any HOA dues after petition date, those are NOT discharged until property is not...

How hard is it to file for bankruptcy and how much does it cost? How do you file for bankruptcy when you are broke?

Sorry about your job loss and wish you had just filed previously by the sounds of it. But sometimes other answers to questions can affect if and...

My previous question was based on filing a chapter 13 bankruptcy about how many years do I not receive a federal tax refund

First, your plan GOVERNS what you pay into the plan from tax refunds. Second, you can change your allowances on your paychecks if working by...

Joint Chapter 13 and Life Insurance. Is it bankruptcy fraud for joint debtor to change beneficiary of life insurance policy to

You should meet with an experienced Bankruptcy attorney in NJ who can carefully go through all this with you . NO law against changing terms of a...

I know student loans are NOT dischargeable, but how are they viewed in the Chapter 7 Means Test?

When I see someone say student loans are NOT discharged in Bankruptcy I reply. Why? The Code says they ARE DISCHARGED if you prove undue hardship....

I completed paying my Chapter 13 BK on 12/2/14, 6 months early.

I believe you should receive the DIscharge shortly after completion no matter how long it takes to CLOSE a case. Make sure your 2nd class was taken...

How many years after a bankruptcy can a trustee keep your income tax return

Prior year unfilled returns are one thing..but the year you file only pro rata up to that portion of year...no future earnings represented by...

I don't know of any attorney in the US who would reaffirm on an unsecured credit card , NOR any judge. Sorry. I believe it would be malpractice....

You should no matter what NOT rely on this answer but meet with an experienced bankruptcy and trust attorney to make sure on legal advice. I found...

Past Bankruptcy / Current Taxes

During “tax season” we see this question asked over and over if you check on AVVO you will see many replies stating the same thing in essence. Most...