What Can You Do If You File Bankruptcy And Have a Judgment Lien On Your House?

A Creditor With A Judgment May Have a Lien Against Your Home If you own real property such as a house or a bare land lot, the first thing you need to know is that it is possible for a creditor

How Long Is Bankruptcy On Your Credit Report?

Fair Credit Reporting Act & Bankruptcy The federal Fair Credit Reporting Act dictates how long a bankruptcy can be listed on a credit report. Legally, a Chapter 7 can be listed ten years from the date of filing. 15 USC § 1681c.

Where is the Chapter 13 Trustee Website for Vancouver & SW Washington?

The Chapter 13 Trustee for SW Washington including Vancouver, Longview, Kelso, etc is Mike Malaier.  His website is at:  Chapter 13 Website – Mike Malaier, Trustee      

How Does The Internal Revenue Service (IRS) Collect in a Chapter 13 Bankruptcy?

Chapter 13 and IRS Debt Collection Efforts The Internal Revenue Service (IRS) follows the instruction in the Internal Revenue Manual (IRM).  Below is what the manual says about collecting debts owed by people that have filed a Chapter 13 bankruptcy

Can My Doctor Refuse To See/Treat Me If A Past Bill Was Discharged In Bankruptcy?

Can A Doctor Refuse To Provide Future Medical Services To A Patient That Has Filed Bankruptcy And Discharged A Debt Owed To The Doctor? Many people file bankruptcy to help deal with medical debts.  With the entry of the bankruptcy

Can A Debtor Get Approved To Buy A Home While In A Chapter 13 Bankruptcy?

Can A Debtor In An Active Chapter 13 Qualify For a Home Loan? Yes, it is quite possible for a debtor in an active Chapter 13 case to obtain a home loan.  Here is a link to an article that

PREFORECLOSURE MEDIATION TOOLKIT – RESOURCE

Washington State law requires under certain circumstances (discussed here) pre-foreclosure mediation between a homeowner trying to save a home from foreclosure and the bank trying to take/foreclosure on the home.   The purpose of this article is to simply note a

How long does a bankruptcy stay on your credit report? And how long could a judgment lead to garnishment if you do not file bankruptcy?

Consumer credit reports can have a significant impact on a person’s life when it comes to borrowing money, getting insurance, housing, or employment. Therefore, the content of a consumer’s credit report can really matter. The federal Fair Credit Reporting Act

Useful Link: HUD Loss Mitigation Options – HUD Mortgagee Letter 00-05

Why It’s Useful:  This is a link to an HUD Loss Mitigation Options letter Subject:   HUD/FHA Homes – Loss Mitigation Options/Rules (Short Sale / Mortgage Modification / Deed in Lieu) Useful Link:   http://www.hud.gov/offices/adm/hudclips/letters/mortgagee/files/00-05ml.doc   NOTE:  This post is one of the

USEFUL LINK: Tax Discharge Analysis – Third Party

Why It’s Useful:  This is a link to a third party site that offers a tax discharge analysis Subject:   Tax Discharge Analysis – Third party analysis Useful Link:  http://bankruptcytaxdischarge.com/services-we-offer/   NOTE:  This post is one of the many “Useful Links” you