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    1. P

      Will cashing out 401(k) count as income?

      IN If I cashout a 401(k) to pay bills while unemployed, will it be used in the calculation to determine your 6 month average income in the means test?
    2. P

      Wage Garnishment and Unemployed

      2nd mortgage lender filed a civil lawsuit against me instead of going through foreclosure. They won the suit and are filing a suit to garnish my wifes wages. I am unemployed and my wife works 10 hours per week at minimum wage. I have no savings and I doubt I could even sell my vehicles for...
    3. P

      Wage Garnishment and Unemployed

      IN 2nd mortgage lender filed a civil lawsuit against me instead of going through foreclosure. They won the suit and are filing a suit to garnish my wifes wages. I am unemployed and my wife works 10 hours per week at minimum wage. I have no savings and I doubt I could even sell my vehicles for...
    4. P

      2nd mort lender filed lawsuit

      What is the name of your state (only U.S. law)? IN Why would the second mortgage lender file a lawsuit against me for the full amount owed prior to the foreclosure and sale of the home by the first lender? Is this a formality to position them for any funds after the sale, or are they trying to...
    5. P

      Do I have a right to file for bankrupcty?

      What is the name of your state (only U.S. law)? IN My income has dropped significantly. I gave up my expensive house and car. I bought a less expensive house on land contract. My lawyer says I do not look like a repentant debtor and the US Trustee will object because my house is still too...
    6. P

      Loss of downpayment on land contract

      What is the name of your state (only U.S. law)? IN If I put $10,000 down on a house to purchase via a land contract and file bankruptcy within 6 months, will the trustee/court reclaim that down payment from the sellers to pay my creditors? I don't want this to happen to the sellers.What is the...
    7. P

      Creditor disputing Debt

      What is the name of your state? Indiana I filed Chap 7 in Feb. I have a creditor disputing credit card dept as far back as Sept 07. Can the dispute go beyond 90 days prior to filing? They are challenging a cash transfer I made in Sept 07 that I used to pay another credit card ($10k). In...

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