This debtor should get all three years of income tax returns filed, wait three years, and then file for Chapter 7 relief. You cannot get...

I am going into mandatory arbitration Vs a collection agency.

Consult a consumer attorney concerning this debt. Many credit card issuers now have agreements that require disputes to be addressed through...

Water Gas and Light and Bankruptcy

There is no free lunch here. You either pay your utility bills, or the providers will interrupt your service. This is not a legal issue. This is...

How do I go about having divorce papers served to my spouse in South Carolina?

Do you have children? If that is the case, that would require you to file suit in South Carolina instead of Georgia. If there are alimony or...

Can social security benifits be attach for a civil judgement if that is the only income?

Social Security benefits cannot be assigned to creditors, or garnished by most creditors. The exception to this rule is debts owed to U.S....

Will a judgement be moved off my credit when my chapter 7 is discharged

If a judgment has been entered against you and recorded in the state court, a motion should be filed on your behalf in the bankruptcy court to...

When you receive a summons in a bankruptcy case, that generally means that you have been named as a defendant in an adversary proceeding. You...

Determining length of time between bankruptcy filings

What type of bankruptcy cases were filed here? When was the first case filed, and when was it dismissed? When was the second case filed? The...

Is it practicable for a road association to use small claims against an out of state owner to collect delinquent assessments?

Assessment from HOAs are derived from agreements that are part of recorded covenants that run with the land. The HOA normally can either lien the...

Will amending the tax return filed with the IRS prior to my now closed Ch 7 filing and provided to my trustee cause any issues?

If and when you chose to amend your 2012 return, and then claim a larger refund, you should provide a copy of the 1040X for 2012 to the panel...