In most states, appliances which are hardwired, have a plumbing connection, or gas connection are considered fixtures rather than personal property. This means that the appliance is considered part of the house it is installed in, and does not need to be exempted separately. A refrigerator, of course,...

I can't think of a BETTER reason to need to declare bankruptcy than due to massive unexpected medical expenses. Just wait to file until you're sure that you won't be incurring any more medical debt. Good luck.

Even after clicking the link, and reading several of the postings, I'm still not sure what SEO is, other than that it claims to be able to improve a business's appearance in Google searches. I still cannot understand the business model, or why anyone would pay for this, so I'd have to say this is NOT...

I assume that when you are talking about creditors "zeroing out the balance", you are talking about what shows up on your credit reports. Legally, the debt is still owed until the discharge order is granted, although the automatic stay prevents the creditor from taking any action to collect....

Like I said back in June, the car is simply not worth enough for the lender to repossess it. You can--and should--continue to register, insure, and drive it until it no longer runs. At that point, you can worry about how to dispose of it.

I am not an attorney, but it sounds like the judge erred, or you made a procedural mistake in requesting the redemption. There is no expiration date to your right to redeem the car for its current value. If there was, then that would create the perverse effect of "trapping" people with an...

If you don't reaffirm (which you generally should not) the car loan will appear on your credit reports as "account included in Chapter 7 bankruptcy" with a balance owed of $0. Whether or not you continue to pay the loan, or choose to surrender the vehicle, no further activity will be posted....

When should you volunteer information about your bankruptcy? Sometime between "when hell freezes over" and "never". Employer credit checks are not the same as lender credit checks. The employer is not planning to extend credit, and is not concerned about your ability to repay...