Yes you can amend and add a creditor better to do so as soon as possible. It's necessary to do new declaration statements, etc. though so you should carefully review all the steps. This is a general forum and not meant to give specific details. You're better off paying an attorney a fee to visit...Read more »
If you’re not upside down on the car, you should probably reaffirm bc it will help the credit. However, if you owe. Lot more than the car is worth, you probably should not rraffirm bc it’s not that valuable if you’re upside down. There are other ways to build your credit.
I enrolled in a debt relief program and advised me to stop paying the credit card that I transferred to this program. I have not missed a payment since I enrolled and I am in good standing. Now, one of the cards is suing me for not paying and the debt relief program said that they can not give... Read more »
If the mortgage raised your payments due to your taxes being escrowed make sure your taxing authority knows you're a senior so that your tax bracket is frozen and won't increase each year. You might file a chapter 7 bankruptcy to get rid of unsecured debt like credit cards and medical debt which...Read more »
When you file bankruptcy for a mortgage it is generally a Chapter 13 to include the mortgage payments into the Chapter 13 payment - which means you have to be able to afford your regular monthly mortgage payment plus a Chapter 13 bankruptcy payment - you cannot just discharge a mortgage payment....Read more »
We have the letter - from the Trustee: Chapter 7 Trustee's Report of No Distribution. Our Attorney states this is enough. Attorney is in car accident and on 3-week medical leave. Title company says the letter isn't enough but no real good explanation as to why. Maybe it's because the address... Read more »
Title companies often screw up bankruptcy questions, but I think they're right here. Until the case is closed, the home remains property of the bankruptcy estate and isn't yours to sell. The Trustee's Report of No Distribution doesn't affect this. Maybe there's a different view on this topic on...Read more »
I was a victim of an internet scam where they claimed to be a job, and my job was to be a representative for a company called Megameda.pl, which is a huge auction site. I did research and I found out they were lying the whole time and were using my information to scam people this way it landed all... Read more »
URGENT: I’m in divorce final mediation... The respondent has made an offer to settle equity in property & has agreed to not include a specific debt in a Ch. 7 bankruptcy that he plans to file. Is it bankruptcy fraud if he agreed in final divorce decree to not discharge one specific debt listed... Read more »
This is a mixture of State and Federal law. Bankruptcy law states you must list all debt in your name and a creditor doesn't care who it got assigned to in a divorce decree; all they care about is who took out the obligation to pay the debt in the first place - that is who they will seek to hold...Read more »
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