Most likely it will be considered a non-exempt asset which the trustee could sell to pay off your creditors. You should speak to a local attorney to review your exact situation, but most likely you're better off getting a home equity line mortgage to pay off your debts.

She would not have to file with you, but her income is considered in determining whether you're eligible for chapter 7.

Yes, the lien against the vehicle is not discharged. You should probably hire an attorney to handle this for you, though.

I'm going to guess that you did not actually file chapter 11 (it is generally for businesses, and although individuals CAN file chapter 11, it is much more expensive and only necessary if you have a lot of assets). So, it depends on whether you file a chapter 7 or 13. The maximum time to wait... View More

You have a home and 2 cars, you have assets. In a chapter 7, your debts are discharged and any non-exempt assets liquidated to pay back those debts. However, there are protections available. For the home, it depends on equity you have in the home and if homestead exemption covers it. For the... View More

They will probably get a judgment from the court, which means they can bring that to the Marshal/Sheriff who can search for and seize any assets you may have. Obviously, if you have nothing, there is nothing to take. However, keep in mind that this includes salary income and money in bank accounts.... View More

This is considered your asset as well. While an exact answer depends on factors that require more information, most likely yes, the trustee would come after this co-op.

If you want to file bankruptcy, your assets would likely all be protected through the exemptions. However, it looks like $9000 of debt might not be worth paying an attorney $1500+ for. Your SSDI benefits are exempt from creditors, but you'll need to keep those funds separate from any other... View More

This income is exempt from creditors. However, you must keep the funds separate from other types of income and have proof it was never co-mingled. As a practical matter, it is possible to have the funds taken out of your bank account even if they are exempt - it's just they would need to be... View More

The private student loan may be dischargeable under hardship if you have been found disabled by social security. You will need an attorney for that.

The $1100 you earn each month is less than substantial gainful employment, and is only relevant in determining that you're still eligible for SSD benefits. However, that amount can be garnished with a proper judgment. Your SSD benefits are exempt and cannot be taken by creditors, but need to... View More

You probably wouldn't file a chapter 13 if you have no income. House and car may be exempted somewhat in a chapter 7. You need to speak to an attorney about your specific situation, as an answer on how to proceed depends on many factors.

It doesn't matter how you received ownership of the home. If you own real property and use it as your residence, you can use the available homestead exemption. However, a homestead exemption may not completely protect your property. You should speak to a local bankruptcy attorney to assess... View More

It's just a standard letter and you do not need to take it personally. Now that you are on notice, the automatic stay applies.

Information provided for informational purposes only and should not be taken as legal advice.

Go to the bankruptcy court and ask the clerk's office. I believe this is the location:

http://www.cacb.uscourts.gov/court-locations/riverside

Here is the link to the court's website: http://www.nysb.uscourts.gov/filing-without-attorney

The unpaid tuition should have been discharged, as long as that debt was incurred before you filed. The fact that they're already garnishing wages means you ignored or didn't receive court notices (which may or may not be an issue). You should contact the court that issued the judgment,... View More

An individual may need to file a chapter 11 case if they exceed the chapter 13 debt limits. Chapter 11 is more complicated and costly than chapter 7 or 13.

Your creditors can file an involuntary petition forcing you into bankruptcy. You can either fight it or proceed with the bankruptcy. Most likely, it will be filed as a chapter 7 involuntary, which means a trustee will be assigned by the court. The trustee would be tasked with administering the... View More

It stays on your credit report for 7 years.

Information provided for informational purposes only and should not be taken as legal advice.