If you propose to pay everybody in full in Chapter 13, then your investment portfolio would NOT be affected. You should definitely talk to an experience lawyer in your area to be sure that a 100% Chapter 13 is your best course of action.

If you have a claim against a former employer for assault and battery by a supervisor, you need a lawyer. Maybe two lawyers. One to protect your rights in the bankrutpcy court, and one to fight for you on the tort claim. Trying to handle those yourself is a real chance to miss deadlines and... View More

Please, please, please do NOT encourage your husband to file a Chapter 7 bankruptcy "on his own." If you mean without a lawyer. There are many many mistakes he could make.

You have the right under Virginia Law, code of Virginian 34-4, to get back form a garnishment $5000 plus $500 for each dependent. But they will just turn around and garnish you again.

The only judge who cares whether you can take care of yourself and your children is the bankrutpcy judge.... View More

To answer that question better I'd need to see what papers you signed at the dealership. This could be a screw up and it could be a scam to try to cheat you out of your $4000 down payment.

You need to talk to a lawyer who specializes in car loan and car dealer law. One place to look... View More

Well, they can attach a lien to the house. This is important enough to talk to a Consumer lawyer. National Association of Consumer Advocates is one place to look.

There should be a refund of $360 form the bank, since they were over paid. If and when that $360 comes back to you, I think you'd owe it to the dealership.

Yes, filing bankruptcy will stop the foreclosure. What kind of bankruptcy you should file and how long it will stop the foreclosure is a much more complicated question.

In Virginia, no, the (former) homeowner is responsible. Assuming its being auctioned by the first mortgage holder.

They have the right to hold out for the whole amount, like apparently they are doing.

Your only remedy for that specific car is to very quickly file a Chapter 13 bankrutpcy and that would get the car back and get you three years, or five, to pay the car off. Since that's not a very... View More

The Virginia Consumer Protection law is a false advertising law. It gives you the right to triple your money back PLUS legal fees. You can read more about that law, here. https://law.lis.virginia.gov/vacodepopularnames/virginia-consumer-protection-act/.

One place to look for lawyers who... View More

For sure you'll need to make sure to keep paying on the car. Although they probably shouldn't, there's a good chance they might stop billing you, but if you want to keep it, you need to keep paying.

There's a small chance his BK will leak over onto your credit report on... View More

Some Judges in Virginia have said that anything for the ornament of the house or convenience of the debtor is a household furnishing.

I can promise you this is a scam.

Yes, bankrutpcy does NOT touch child support. The bankruptcy does not change your right to ask for more for the child based on changed circumstances. t

In Virginia, the bankruptcy trustee CANNOT grab your back child support or back alimony. It still belongs to you.

You can file Chapter 13 which will give you five years to catch up the house. Obviously that only works if you have income. (And you are only eligible if you have regular income, too, but hope you will soon enough.)

Chapter 7 could stop the foreclosure for a few months, maybe long enough... View More

You definitely need to account for that activity. Go over with your lawyer the best way to do that so it doesn't affect your eligiblity. I'd think you have an expense that offsets that income.

Usually only your most recent bank statement is looked at, but you can be ordered, or... View More

No.

Yes, assuming you file Chapter 7 bankruptcy. That would block that warrant-in-debt court date.