An excellent primer about filing either chapter 7 or 13 bankruptcy is "The New Bankruptcy, will it work for You?" 3rd edition by Stephen Elias, published in 2009 by Nolo; 346.078 E42N Dewey decimal. Also, you might contact a paralegal or lawyer who specializes in filing bankruptcies with a few detailed questions.
You have to, it is a debt...it is just a secured debt...by the lien on the property.
No, if you mean, can you single out this debt to "file bankruptcy on." You file bankruptcy on ALL your creditors. You don't get to pick and choose. But you can certainly include such a debt in bankruptcy.
no
no
You cannot file a bankruptcy directed at one single debt.
Yes, they certainly can. If they have a legitimate debt against the deceased, they file it with the executor. This will get paid before anything is distributed to the beneficiaries.
The easiest way to have debt removed from your credit file is to pay the debt which also show that you can make & keep to payments. You can also negotiate with the company the debt is with to remove this debt.
If you are in debt with several creditors and don't want to file a bankruptcy you can try to get a consolidated credit repair company to help you to manage the debt.
Yes, you can. If you are current, but struggling with credit card debt, medical debt, or other unsecured debt. If your income is less than the median family income for your state, you can probably file chapter 7. If over that amount, you may have to file a chapter 13. Consult an experienced bankruptcy lawyer in your area.
No. A collection agency has no legal authority. They can refer the account to a collections attorney who can then file a lawsuit for the debt owed. Yes! A collection agency has the right to file a lawsuit as the assigned creditor under the agreement that you signed when applying for the credit card.
file bankruptcy
If you file taxes separately, you are generally not responsible for your spouse's tax debt. Each spouse is responsible for their own tax liabilities when filing separately.