Seterus is a garbage entity. If they don’t respond, move to hold them in contempt and for attorney fees. You’ll be surprised at how quickly they respond then...

I would recommend trying to get the new car and then Reaffirm the Debt to the financing Company. Try and hold off on filing 60 days, so there are at least two payments to show good faith

Arkansas is not a community property state, but that doesn't change the answer to your question. If her name is not on the car note, she cannot be held responsible for that debt unless the divorce judge makes her responsible. Even in that case, the only person the financing company can come... View More

You need to get a copy of your bankruptcy documents to see if it was included in them. Then you need to contact a lawyer.

Yes. You should contact a bankruptcy lawyer to help you out.

If you want to file Chapter 7, then you need to get caught up on your payments in order to keep your house. If you file Chapter 13, then you need to keep up the payment pursuant to the plan.

You need to see an attorney ASAP. Hopefully, your contract for sale was recorded. If so, you would be a secured creditor.

The Credit Card Companies would first have to sue you, then win, then record their judgment(s) in your county. The judgment would be collectible on a first come basis, after your mortgage and any other existing liens.

If you wish to "Stand By Your Man", you can pay them, but unless you are on the cards, you are not obligated.

No, Taxes are NOT Dischargable in a Bky.

Based upon the period described it sounds like you are in a chapter 13. If you stop making payments, the case will be dismissed; however, you will still be obligated for the still outstanding debts, as a discharge will not be granted.

Yes. Even though you did a Bky, they can come after the CoSigner.

Bankruptcy is a Federal Court matter.

Generally, if you find that you do not have enough income coming in monthly to pay your bills, you have reduced your monthly living expenses as much as possible, and you have accumulated a lot of debt from credit cards or medical bills that you have no hope of being able to pay, then you may need... View More

Unless you reaffirmed the debt, you do not owe it again. If the debt was collateralized by property, then it still is, and you maybe sued to clear title (in rem), but you are not being sued personally (in personam). If they are going after you personally, and you did not reaffirm, you should... View More

To find the Bankruptcy sign up for PACER - a free governmental service, as long as you use less than $10 worth of services in a calendar 1/4. Once signed up, you must log on in the jurisdiction where person is located to research the issue.

Sign up for PACER at the District Court for the respective jurisdiction. This is a free governmental service, as long as you use less than $10 of services per calendar quarter. Once signed in, pull up the specific case.