Courses at public colleges (and universities) can be free if you qualify for the Pell Grant or similar education grants. If you make "too much money" you won't be eligible for those grants, but you could be eligible for scholarships.

You save it for backup. You could, though, include both with the trustee specific documentation request. The question is only whether the Trustee accepts the valuation.

shipo probably because of the training and that paralegals have been in an office and do things a certain way. I wouldn't have thought that would hinder someone from being hired. I guess the paralegal turned attorney could always start their own practice....

Au contraire mon ami, bankruptcy doesn't wipe out debt.

Bankruptcy removes the personal responsibility to pay the debt (known as in personam). The debt actually still exists. The creditor will usually (or already has) written it down in their books (charge off). They are simply no longer...

Legal Research & Writing is a skill. Skilled paralegals do much of this work under a supervising attorney. (See more below.)

To become a paralegal you do need to take classes. You can do a certificate program but I would recommend an Associates of Science in Paralegal Studies. A skilled...

Yes. I am living proof. I did a Chapter 20 (Chapter 7 followed by a Chapter 13) to deal with income taxes which were not discharged in the Chapter 7. I actually started as a Chapter 13, converted to Chapter 7, and then filed a Chapter 13 4 years later and have been discharged for 2 years.
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It says "any or all" of the payments. There have been similar cases where foreclosure attorneys have honed in on similar language in lawsuit contracts. The Supreme Court of Florida ruled that the language is okay....

If you pay your parents, do it with a check.

Sp long as an exemption covers the property and you applied the exemption on Schedule C, thent the property would not be subjected to liquidation by the Trustee.

It just a question of whether the Trustee makes anything of giving...

Welcome to BKForum!

First rule, always make sure you are taking care of your health and safety. If that means living at home with family, that's fine. As for how income is included, only married individuals (whether they are filing together or not) must report both person's income.
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The creditor would need to update their claim so that they don't continue to get paid. This requires some coordination and the debtor may need to poke the creditor. If the arrears are cured as part of the refinance, need to make sure the claim is updated and accurate.

That's a question...

Pretty cool using that service to view the a sample schedule of exemptions (Schedule C).

Because a debtor may have misapplied an exemption, used an invalid exemption, overused an exemption, or the law doesn't allow the exemption for other reasons. One gotcha, in some States and probably not California, is that some restrict the wildcard. There is at least one State that has a nice wildcard,...

I don't even want them in the same room! LOL. Luckily no one during my 341 Meeting slot had any reason for the office of the Region 21 UST to show up. Just their presence in the room means that they are interested in someone / some case.

If the United States Trustee (UST) shows up and speaks during your 341 Meeting... then they are interested in your case. This is usually because it is a borderline Chapter 7 or should not be a Chapter 7 at all. The UST will even stump an experienced attorney because the UST is trying to determine if...

It's an asset based on the current value of the asset. If you don't know the value, when you file, some people would put $1 as the value and mark it contingent and/or unliquidated.

As for how California bankruptcy courts expect to deal with this, I list each separate one as a separate asset...

Now that's looking forward, despite you and your husband's loss....

The worse case is that the Trustee disagrees with your value (and valuation method), and then you have to go get it appraised.

I did use Edmunds Private Party "good" and then named and subtracted issues (check engine light, new tires, dings and scratches) and claimed that it was...

Sheesh. I can get an entire 2,200 square foot house appraised for that price. That is CRAZY!...

I learned something new today! They are getting serious with the valuations. If the cost to get it properly appraised is only $25 or so, then I would do it. Otherwise I'd try to find a way to deal with the non-exempt value. Some of the FL Middle District Trustees, I've heard, are very into sending things...

And now you know why that particular Chapter 7 Trustee chose KBB private-party value! Because it is higher!

Bring it over to someone like CarMax and have them give you an offer. I don't know if that's good enough. You'd have to contact the Trustee assigned to your case if they'll except...