Is Keeping Your Tax Refund After Filing Bankruptcy Possible? It depends. To be eligible to receive a discharge, a debtor must have filed the last four years of tax returns if returns are required. Your attorney is required to provide a copy of the copies of the last tax return filed to the trustee. [...]
You may be able to file bankruptcy in Texas as long as you have lived here for the majority of 180 days immediately before the petition was filed. If you have lived only in Texas for 91 days, you may be eligible. You may not be eligible, however, to use the Texas state exemptions. [...]
If you qualify for a Chapter 7 bankruptcy, you may be able to totally wipe out unsecured debt, such as credit cards, personal loans, and medical bills. No one wants to file bankruptcy, but sometimes filing bankruptcy is the best way to calm the troubled waters and establish financial stability. Even if you do [...]
Bankruptcy cannot wipe out child support, certain back taxes, criminal fines, and most student loans. Bankruptcy cannot do away with the payment of most secured debt unless the debtor is willing to pay for the property, although you may be able to catch up over time, lower the monthly payment, reduce the interest rate, [...]
Mortgage companies often make billing errors. You have rights. Learn about what the federal law requires your mortgage company to provide and how to correct errors.
Despite all the hoopla about loan modifications in the past, many borrowers were led to believe they would receive a loan modification and were simply not given one. The loan modification process was frustrating and left stressed out borrowers in a worse position. Some borrowers report being told to stop making their mortgage payments [...]