I have not researched it, but I wouldn't think simply acknowlediing a debt- without making a payment or any other action would restart the statute of limitations.

She could, but not necessarily. If she has equity in her home (value minus mortgage), it could be used to pay her creditors. In this scenario, she would create a chapter 13 repayment plan instead, rather than filing chapter 7. She can also look into the possibility of a home equity line of... View More

I am intrigued as to how a law firm ended up with a lien on your home and this may impact the response. But beyond this, if the law firm legally dissolved a proper lien right would not just disappear. The rights would pass to someone- potentially even a creditor of the firm.

Generally, when you are in an active Chapter 13 case you cannot obtain credit, i.e. a loan, without court permission. There are very limited exceptions for emergencies that might come up like your appliances quit working, and you have to have a replacement freezer so your food will not spoil,... View More

The financing is a secured debt against the car, so you still need to make payments if you want to keep the car, even if filing for bankruptcy.

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

As long as it has been over 90 days you should get a discharge, especially if you have tried and made some payments

The trustee may request any and all financial documentation to be reviewed.

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

Yes, you may be able to file another Chapter 13 and prevent a Foreclosure of the home. You would have to qualify, which means you must be able to put together a feasible Chapter 13 Plan that would meet the requirements of the Chapter 13 laws. The fact that you filed in 2010 and completed the... View More

To answer the question will need to know how much equity you have in the home. See a bankruptcy lawyer near you to go over your entire situation and give you your best options. Hope it works out. Good luck!

You do have to disclose that you have student loans in your bankruptcy schedules. In almost all situations you cannot discharge student loans in a chapter 7 filing. See a bankruptcy lawyer in your area for a review of your situation and they can go over your options with you. Every case is... View More

In New Jersey, you would need to request permission from the Chapter 13 Trustee to take funds from an exempt asset for current use because there maybe tax ramifications.

If a tax sale certificate has been issued and bought the answer is yes

Usually only if a chapter 11 or 13 do judge's have to approve outside counsel

Same answer as before.

When you file bankruptcy you must list all of your assets and all of your creditors. If you are filing chapter 7 you must continue to make the contract payments on a secured car loan if you wish to keep the car. You can surrender the other cars and have any remaining... View More

You asked this before same answer.

When you file bankruptcy you must list all of your assets and all of your creditors. If you are filing chapter 7 you must continue to make the contract payments on a secured car loan if you wish to keep the car. You can surrender the other cars and have... View More

When you file bankruptcy you must list all of your assets and all of your creditors. If you are filing chapter 7 you must continue to make the contract payments on a secured car loan if you wish to keep the car. You can surrender the other cars and have any remaining balance after the cars are sold... View More

When you file bankruptcy, you must list all of your creditors. This would include your house. Your plan will show how creditors are paid. Some creditors are paid directly by the debtor and others are paid by the Trustee. You are current on your house, you should be able to continue to make the... View More

If the Trustee or the Office of the US Trustee finds out, you could be charged with Fraud. It is not worth it, plus those that you sold it to could get in trouble as well. Don't do it.

The best way to resolve your confusion is to make an appointment with an experienced bankruptcy lawyer in your area. Many bankruptcy lawyers offer free consultations. Bankruptcy does not ruin you financially for life, many individuals who file are able to reestablish their credit relatively... View More

If you meet the qualifications to file, the fact that your wife filed would not prevent you from also filing. call a bankruptcy lawyer and see what your options are. Hope it works out. Good luck!