There is a $306 filing fee currently charged by the U.S. District Clerk to file a Chapter 7 case. If you are very low income and have no assets, it's possible to ask the court to waive that amount or let you pay it in installments.

There may also be a small fee for the required credit... View More

I doubt it is fraud. Frequently mortgages are bundled and then sold as securities. Your "Mortgage Servicer" is just that, mearly a service provider, i.e. agent, of your mortgage company. When and if an actual foreclosure is subsequently filed, the plaintiff would have some weird name... View More

By signing up for PACER. It is a free govt service, as long as you use less than $10 of services per calender month. Then login for the bky court in that jurisdiction and do a search.

Dismissal is not a Discharge. They still owe you. I would suggest sending them a certified letter, demanding payment within 30 days. If they do not pay sue them. The 30 day part sounds like an error. Usually, there is a 90 day prejudice period, prohibiting refiling; however this will not stop... View More

If the court dismissed your case with prejudice, than you must wait 180 days or as stated in the court order dismissing your case. If it is dismissed without prejudice, than you can file as soon as you want.

You can file a Proof of claim in the company's bankruptcy. Also, depends on whether you are a creditor to the company or a customer.

General rule of thumb, the government will always get their piece of the pie. The rules regarding whether or not you can get your IRS debts discharge is complex. Generally, if you have filed all your taxes on time and your IRS debts are more than 3 years old from the date you file for... View More

If your husband cosigned on the mortgage for the trailer home, unfortunately, he is jointly liable with you on the note. Although the property is purchase prior to the marriage this is not an issue of community or separate property where a person co-signed on a debt. In regards to the banks... View More

Once you file for bankruptcy it will be on your credit report for the next 10 years.

No, you can file your bankruptcy pro se. however, filing a bankruptcy is somewhat confusing and tedious. There are volunteer attorney programs available that may assist you pro bono (meaning free representation minus maybe the court costs, ie filing fees) if you have difficulty with making payments... View More

Yes, actually the bankruptcy code and petition requires it. There is a section in your bankruptcy petition (the paper work you file with the court) that asks you for any lawsuit you have been part of. In addition and depending on your jurisdiction, the trustee will have you fill out his... View More

Depends if you are joint or cosigned on any of his debts. If so, although he would be free and clear of those debts, you are not. the creditor may and most likely will come to collect from you as the cosignor. Contrarily, if your divorce decree states that he is to assume all liability on a certain... View More

In Texas when you file for bankruptcy, Texas residence have the option of electing either the federal or the Texas state exemption. In regards to the extent of "equity" that you can protect, Texas state exemption allows for an unlimited amount (except in select circumstances involving... View More

If a creditor had been provided with proper notice of your bankruptcy and the debt in question was dischargeable, than the garnishing should have stop. If not, than you may seek post discharge injunction and remedies against such creditor. However, if the debt is non-dischargeable and/or you did... View More

If you provided proper notice to the creditor in question, than they can not be attempting to collect any debt from you, unless they had filed and was granted a relief of stay from the bankruptcy court.

If all your paperwork was done properly and noticed all your creditors, including the... View More

Though the Statute of Limitations has expired, if they are still hounding you for payment, it is a good idea to include them.

If there are funds due to you from the government, you should check with your respective Secretary of State's office, abandoned property division. Do not pay anything upfront.

If the bills were in his name alone, you do not owe them. If the bills are joint then you could consider a Bky. However, debt alone is not a reason to file. You should also look to your exemptions and if you pass the means test. This can all be addressed during a Free Initial Consultation with... View More

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

Often Timeshares are not Deeded, they are merely an agreement. Thus, they do not actually foreclose. If Deeded, then a foreclosure may occur. Alternatively, you could contact them about the possability of a Deed-in-Lieu.

As for the possability of a Bky, the amount owed is not a bar.... View More