A common problem many post-bankruptcy homeowners have is refinancing one’s home loan. Many people have approached me in a situation wherein their lender refuses to refinance their loan on the grounds that they did not reaffirm their loan post-bankruptcy, therefore, they claim, there is no loan. Let me take a few short paragraphs to explain […]
Categories
- Can a Bench Warrant be Issued for Failing to Show up for a Debtor Exam? October 13, 2014
- I Filed Bankruptcy…Can I Sell My House Now and Keep My Equity? October 13, 2014
- Can a Chapter 13 Bankruptcy Payment be Deferred? October 13, 2014
- Know Your Lenders: Interviews and Lender Calls February 27, 2017
- Avoid the Potholes on Your Road to Recovery February 24, 2017
- Securing Good Credit After Bankruptcy: What Not To Do February 23, 2017
- Securing Good Credit After Bankruptcy: Secured v. Unsecured February 21, 2017
- Taking On Your Credit Report: Step Six February 20, 2017
- The Four C’s: Analyzing a Credit Application February 16, 2017
- 000 worth of equity
- 2005 bankruptcy provision
- 2005 changes to bankruptcy law
- 2nd mortgage
- 341 meeting
- 5 tips for filing bankruptcy
- 5 year repayment plan
- 750 credit score
- account is levied
- active bankruptcy
- adopted child
- adoptive family
- adoptive parents
- advice for graduates about bankruptcy
- after discharge
- after filing chapter 7 bankruptcy
- after filing for bankruptcy
- alternative to bankruptcy
- applied for another loan modification
- apply for loan modification
- are there bankruptcy alternatives
- arizona adoption
- arizona family law attorneys
- assets
- Assets during bankruptcy
- assuming spouse’s debt
- authorized user
- authorized users
- auto loan liability
- automatic stay
- avoid bankruptcy
- avoid common bankruptcy mistakes
- avoid default
- avoid financial disaster
- awarded a judgment
- bad credit
- bank doesn’t foreclose
- bankruptcies
- bankruptcy
- bankruptcy abuse prevention and consumer protection act
- bankruptcy act of 2005
- bankruptcy advice
- bankruptcy after divorce
- bankruptcy alternatives
- Bankruptcy and credit counseling
- bankruptcy and divorce
- bankruptcy and HELOCs
- bankruptcy and home business
- bankruptcy and marijuana
- bankruptcy and marriage
- bankruptcy and medical marijuana
- bankruptcy and past due rent
- bankruptcy and repossession
- Bankruptcy and taxes
- bankruptcy and the military
- bankruptcy and your mortgage
- bankruptcy attorney
- bankruptcy attorney at westgate law
- bankruptcy attorneys
- bankruptcy attorneys at westgate law
- bankruptcy basics
- bankruptcy case
- bankruptcy case is filed
- bankruptcy case number
- bankruptcy cases
- bankruptcy claim
- bankruptcy clause
- bankruptcy code
- bankruptcy collections process
- bankruptcy consultation
- bankruptcy court
- bankruptcy courts
- bankruptcy discharge
- bankruptcy discharge of tax debt
- bankruptcy dismissal
- bankruptcy does not discharge criminal debt
- bankruptcy exemptions
- bankruptcy experts
- bankruptcy filed for retirees
- bankruptcy filer
- bankruptcy filers
- bankruptcy filing
- bankruptcy filing changes
- bankruptcy filings
- bankruptcy for retirees
- bankruptcy fraud
- bankruptcy fraud charges
- bankruptcy harm my career
- bankruptcy in america
- bankruptcy in southern california
- bankruptcy in the middle of foreclosure
- bankruptcy issues
- bankruptcy keep broken leases off
- bankruptcy law
- bankruptcy law and exemptions
- bankruptcy law experts
- bankruptcy laws
- bankruptcy lawyer
- bankruptcy lawyers
- bankruptcy means test
- bankruptcy notification
- bankruptcy on home equity loans
- bankruptcy on your record
- bankruptcy options
- bankruptcy or credit counseling
- bankruptcy or loan modification
- bankruptcy paperwork
- bankruptcy petition
- bankruptcy petitioner
- bankruptcy petitioners
- bankruptcy proceedings
- bankruptcy process
- bankruptcy protection
- bankruptcy protection for medical bills
- bankruptcy provision
- bankruptcy questions
- bankruptcy recovery
- bankruptcy relief
- bankruptcy rules and exceptions
- bankruptcy schedules
- bankruptcy services
- bankruptcy tips
- bankruptcy tips & hints
- bankruptcy trustee
- bankruptcy wasn’t filed
- becoming debt free
- becoming debt free for 2015
- before filing for bankruptcy
- before I filed for bankruptcy
- before you file
- before you file bankruptcy
- before you file for bankruptcy
- being debt free in 2015
- bench warrant
- bench warrant threat
- benefit of bankruptcy
- benefits of filing for bankruptcy
- better sleep month
- beverly hills ca bankruptcy attorneys
- borrowers going into default
- borrowers in danger of default
- broken leases off your credit report
- buried in debt
- buried in revolving debt
- business bankruptcy
- business debt
- buy my house back at auction
- buying a car to rebuild credit
- california bankruptcies
- California bankruptcy
- california bankruptcy attorney
- california bankruptcy attorneys
- california bankruptcy court
- california bankruptcy discharge
- california bankruptcy experts
- california bankruptcy law
- California law
- california stabilized leases
- california statute of limitations
- can a bench warrant be issued
- can i keep my car
- can i keep my house
- can my employer garnish my wages
- can’t get away with bankruptcy fraud
- car is paid off
- car purchase before bankruptcy
- car title loan
- car title loans
- car when you file for bankruptcy
- causes of bankruptcy
- chapter 11
- chapter 11 bankruptcy
- chapter 13
- chapter 13 bankruptcy
- chapter 13 bankruptcy cases
- chapter 13 bankruptcy filing
- chapter 13 bankruptcy payment
- chapter 13 bankruptcy payment deferred
- chapter 13 filers
- chapter 13 instead of chapter 7
- chapter 13 lien stripping
- chapter 13 personal bankruptcy
- chapter 13 reorganizations
- chapter 13 repayment plan
- chapter 7
- chapter 7 affect an irrevocable trust
- chapter 7 bankruptcy
- chapter 7 bankruptcy cons
- chapter 7 bankruptcy discharges
- chapter 7 bankruptcy filing
- chapter 7 bankruptcy law
- chapter 7 bankruptcy process
- chapter 7 bankruptcy pros
- chapter 7 bankruptcy protection
- chapter 7 exemptions
- chapter 7 liquidation
- chapter7 liquidation bankruptcy
- charged off
- children cosign
- choosing bankruptcy
- clear the debt
- closed accounts in bankruptcy
- co-signed
- collateral for a debt
- collect on my home loans
- collect the judgment
- collecting the debt
- collecting the money
- collection letters post bankruptcy
- collection of debts
- college credit cards
- college graduates
- committing bankruptcy fraud
- common bankruptcy myths bankruptcy experts
- company debt
- considering bankruptcy
- considering filing for bankruptcy
- converting chapter 13 to chapter 7
- cosign a loan
- cosigner
- cosigner files for bankruptcy
- cosigner on a student loan declares bankruptcy
- cosigner’s bankruptcy
- cosigning a loan
- cramdown
- credit
- credit after bankruptcy
- credit card debt
- credit card offers
- credit cards listed in bankruptcy
- credit counseling
- credit counseling as damaging as bankruptcy
- credit counseling requirements
- credit counseling vs. bankruptcy
- credit post-bankruptcy
- credit rebuilding
- credit report mix-ups
- credit score
- credit union and bankruptcy
- credit worthy
- creditor garnished
- creditor receives a judgment
- creditors
- creditors filing lawsuits
- creditors ignore discharge of debt
- creditors suing
- creditors suing me
- criminal debt
- dealing with debt
- debt
- debt and financial obligations
- debt collection
- debt collection harassment
- debt collector
- debt collectors
- debt collectors demand payment
- Debt Consolidation
- debt discharge
- debt discharged by bankruptcy
- debt discharged through bankruptcy
- debt free
- debt free in 2015
- debt from student loans
- debt included in bankruptcy
- debt inheritance
- debt leads to bankruptcy
- Debt Management
- debt resolution
- Debt Settlement
- debt-buying
- debtor education
- debtor exam
- debtor’s bank account
- decide to file
- decided to file for bankruptcy
- declare bankruptcy
- declare bankruptcy for medical bills
- declared bankruptcy
- declaring an RV as primary home
- declaring bankruptcy
- deed in lieu of foreclosure
- default on their loans
- delay filing for bankruptcy
- delaying your bankruptcy
- delinquent mortgage payments
- demand payment from third parties
- denied the right to file
- denied the right to file bankruptcy
- discharge
- discharge criminal debts
- discharge debt
- discharge income tax debts
- discharge of credit card debt
- discharge of credit card debt through bankruptcy
- discharge of debt
- discharge of debt through bankruptcy
- discharge of debts
- discharge of your debt
- discharge of your debts
- discharge order
- discharge part of your balance
- discharge student loans
- discharge tax debt
- discharge your debt through bankruptcy
- discharge your student loans
- discharged
- discharged by bankruptcy
- discharged debt
- discharged debts
- discharged in bankruptcy
- discharging credit card debt
- discharging student loans
- discharging student loans in bankruptcy
- discharging tax debt
- disclosure of assets
- divorce
- divorce decree
- divorce decree v bankruptcy
- do my kids have to pay debt I leave behind
- does debt transfer to new business owners
- does debt transfer to new owners
- drowning in business debt
- during bankruptcy proceedings
- during the filing process
- eligibility to file for bankruptcy
- eligible for chapter 7 bankruptcy
- eligible for discharge
- eligible to file chapter 7 bankruptcy
- eligible to file for bankruptcy
- eliminate debt
- eliminated through a bankruptcy
- eliminating a judgment through bankruptcy
- elimination of all your debt
- employment
- enlistment in the military
- enter retirement debt free
- established credit since bankruptcy
- ex declaring bankruptcy
- ex filed for bankruptcy
- ex files bankruptcy
- ex files for bankruptcy
- ex filing for bankruptcy
- excessive loan debts
- exempt from claims
- exiting a chapter 13 bankruptcy plan early
- experienced bankruptcy attorney
- experienced bankruptcy attorneys
- experienced bankruptcy expert
- experienced bankruptcy lawyer
- experienced southern california bankruptcy attorneys
- expert bankruptcy attorney
- expert bankruptcy attorneys
- expert California bankruptcy attorney
- expert southern california bankruptcy attorneys
- failing to show up for a debtor exam
- fantasy birthparents
- fantasy family
- file a personal bankruptcy
- file bankruptcy
- file bankruptcy after identity theft
- file bankruptcy due to identity theft
- file chapter 13 bankruptcy
- file chapter 7
- file chapter 7 bankruptcy
- file for bankruptcy
- file for bankruptcy in california
- file for bankruptcy to save your assets
- file for chapter 13
- file for chapter 7
- file for chapter 7 bankruptcy
- file the bankruptcy petition
- file your bankruptcy electronically
- filed bankruptcy
- filed for bankruptcy
- files for bankruptcy
- filing a bankruptcy
- filing a bankruptcy petition
- filing bankruptcy
- filing bankruptcy during separation
- filing bankruptcy for the second time
- filing bankruptcy in contempt of divorce decree
- filing bankruptcy like a pro
- filing bankruptcy when separated
- filing chapter 13 bankruptcy
- filing chapter 7
- filing chapter 7 bankruptcy
- filing for a business bankruptcy
- filing for bankruptcy
- filing for bankruptcy in California
- filing for bankruptcy in retirement
- filing for bankruptcy in southern california
- filing for bankruptcy with a joint bank account
- filing for business bankruptcy
- filing for california bankruptcy
- filing for chapter 13
- filing for chapter 7
- filing for chapter 7 bankruptcy
- filing for individual bankruptcy
- filing of bankruptcy
- final debt liability
- financial circumstances related to your bankruptcy
- financial hardship programs
- financial recovery post-bankruptcy
- financial situations the military is on the lookout for
- financial stress
- financial trouble
- financially healthy
- find a bankruptcy lawyer
- flexible payment options
- forbearance
- forced to file for chapter 7 bankruptcy
- foreclosure
- foreclosure and bankruptcy
- foreclosure process
- foreign credit card debt
- fraudulent transfers
- fresh financial start
- frozen bank account after bankruptcy
- garnish my wages
- garnished or levied funds
- garnished paycheck
- garnished wages
- garnishment of your paycheck
- general debt recovery
- get a loan modification
- get out of chapter 13 bankruptcy
- get out of debt
- get your debt discharged
- gets rid of debt quickly through discharge
- getting a judgment
- getting out of debt
- good bankruptcy lawyer
- good credit after bankruptcy
- gutter service
- hard money lenders
- have to go to court
- help or hurt your military career
- highest rates of bankruptcy filings
- hoa dues
- hoas and bankruptcy
- home equity loan
- home loans
- homeowners eligible to file
- homestead exemption
- house in bankruptcy
- house that your ex got in the divorce
- housing bubble
- how bankruptcy affects foreclosure
- how do i get out of debt
- how to file bankruptcy
- how to handle judgments
- identity theft
- improve your credit post bankruptcy
- in debt
- in violation of bankruptcy code
- include it in my bankruptcy
- included in bankruptcy
- increased number of bankruptcy filings
- inheritance and bankruptcy
- inherited funds
- inherited iras
- interpretation of wilfulness
- irrevocable trust to a minor
- joint credit accounts and bankruptcy
- jolt of bankruptcy
- judgment
- judgment against me
- judgment lien in bankruptcy
- judgment liens
- judgment proof
- judgments
- justin harelik
- keep my equity
- keep our two vehicles
- keep your assets
- keep your cars during bankruptcy
- keeping your vehicle
- kids have to pay off my debt
- kind of bankruptcy
- lease agreements
- lease to own debt
- legal separation and bankruptcy
- levied account
- levied accounts and creditors
- levy your bank account
- liability from the cosigner
- liability to pay the debt
- liable for the debt
- lien on a home
- lien on the house
- lien on your property
- lien stripping
- lien stripping lawyer
- life after bankruptcy
- limited protection for home equity
- limited protection provided by bankruptcy law
- list a creditor
- list of creditors
- listing debts for discharge
- living beyond your means
- living within your means
- llc bankruptcy
- loan modification
- loan modification after filing
- loan modification post-bankruptcy
- loans after bankruptcy
- los angeles bankruptcy attorney
- lose my inheritance
- losing sleep over your finances
- manage your bankruptcy
- manage your debt
- mandatory for all filers
- means test
- mechanic liens
- medical bankruptcy
- medical debt
- medicare technicality leads to debt
- meeting of the creditors
- millionaires file bankruptcy
- mismanagement of credit
- missed chapter 13 bankruptcy payment
- money is stressing you out
- mortgage deficiency liability
- mortgages after bankruptcy
- most number of bankruptcy filings
- motor vehicle exemption
- multiple bankruptcies
- my bank account is frozen
- my bankruptcy trustee
- my creditors are suing me
- my debt was discharged
- my ex’s debt got a lien on my house
- new loan after bankruptcy
- no disposable income
- no grace period
- non-deficiency liability state
- not reporting payments to the credit reporting agencies
- notice of your bankruptcy
- obama’s bankruptcy act
- obtain a discharge of debt
- obtain a discharge of your debts
- obtaining a discharge of credit card debt
- Obtaining a HELOC post bankruptcy
- obtaining a loan modification
- obtaining a refund from bankruptcy attorney
- obtaining payment for personal loans
- obtaining refinancing options
- offer bankruptcy protection to any debtor
- old bankruptcy
- old credit card debt
- old debt
- old payday loan
- order to refinance
- over-aggressive collection agent
- overwhelming debt
- owe more than my motorhome is worth
- past bankruptcy
- past due hoa dues
- past due on your mortgage
- past due rent in bankruptcy
- pay for college with federal student loans
- pay off debt
- pay off the remaining debt
- pay off your debt
- pay off your debts
- pay the debt
- paycheck is garnished
- payday loan scams
- paying off your debts
- paying off your tax debt
- paying your debts after you die
- payment on your debts
- perfect credit after bankruptcy
- permanently ruin your credit
- personal bankruptcy
- personal finance
- personal guarantee
- personal liability for business debt
- personally guaranteed
- personally liable for business debt
- petition for debt discharge
- post-bankruptcy
- post-bankruptcy loan modification
- post-bankruptcy mortgages
- post-bankruptcy tips
- postpone filing for bankruptcy
- pre-bankruptcy
- preferential payments
- prepare to file
- prior to bankruptcy
- prior to filing
- prior to filing for bankruptcy
- prior to your bankruptcy filing
- process of filing
- prohibiting bankruptcy filing
- proof of self employment income
- property exemptions
- property in your name post-bankruptcy
- property maintenance
- property settlement agreement
- proposed bankruptcy fairness and employee benefits protection act
- protect the equity in your home
- protect up to $150
- protect your credit
- protect your home
- protect your home by filing for bankruptcy
- protect your property
- protection of your assets
- protection provided by bankruptcy
- purchasing properties at foreclosure auctions
- put your name on property after you file
- qualify for chapter 7 bankruptcy
- quitclaim deed
- re-establish liability
- reaffirm my mortgage
- reaffirm the car loan
- reaffirm the loan
- reaffirm the mortgage
- reaffirm your mortgage
- reaffirmation agreement
- reaffirmation agreement for mortgages
- reaffirmed mortgages
- reaffirming a mortgage
- reaffirming mortgages in southern california
- reaffirming your mortgage
- real estate
- real housewives
- rebuild credit
- rebuild credit after bankruptcy
- rebuild my credit
- rebuild your credit
- rebuild your financial health
- rebuilding your credit
- rebuilding your credit after bankruptcy
- rebuilding your credit fast
- rebuilding your credit post-bankruptcy
- receive a discharge
- receive the judgment
- received a discharge
- received discharge
- received my bankruptcy discharge
- received your discharge
- receiving a discharge of debt through bankruptcy
- receiving a tax refund during your chapter 13 bankruptcy
- receiving collection letters
- receiving tax refund during bankruptcy
- record of bankruptcy
- recover from financial disaster
- recover quickly after filing
- recover your credit
- recovering from bankruptcy
- recovering garnished funds
- recovering your credit
- redeem the car loan
- reduce/reorganize debts
- reduced loan payment
- reestablish credit
- refinance the property
- refinancing post-bankruptcy
- remove an ex's name
- remove an exs name from the title
- removed from the deed
- rent-regulated housing
- rent-stabilized apartments
- reorganization bankruptcy
- repair your credit post-bankruptcy
- repair your credit score
- repair your credit score after bankruptcy
- repairing their credit scores
- repayment plan period
- rescind bankruptcy provisions
- restrictions on employers in bankruptcy
- retain secured property
- retirement funds
- retirement funds at risk
- reverse mortgage
- risks associated with wage garnishment
- safe from the bankruptcy process
- sale of assets
- save a home from foreclosure
- save your personal credit
- saving credit from bankruptcy
- saving your home through bankruptcy
- schedule of creditors
- second bankruptcy
- second mortgage
- section 703
- section 704
- secured and unsecured debt
- secured card
- secured credit card
- security interest
- sell my house
- selling your car before filing for bankruptcy
- selling your property
- sentenced to prison
- serious financial trouble
- settle the account
- settle your debt
- settlement options
- short sale
- short sale vs. bankruptcy
- should i file
- should not file
- small business bankruptcy
- social security
- solution to financial crisis
- someone has a judgment
- south california bankruptcy attorney
- southern california
- southern california attorneys
- Southern California bankruptcies
- southern california bankruptcy
- southern California bankruptcy attorney
- southern california bankruptcy attorneys
- southern california bankruptcy expert
- southern california bankruptcy experts
- southern california bankruptcy law
- southern California bankruptcy law experts
- southern california bankruptcy lawyer
- southern california bankruptcy lawyers
- southern california’s bankruptcy court
- southern california’s bankruptcy experts
- southern california’s bankruptcy laws
- southern california’s experienced bankruptcy attorneys
- southern california’s westgate law
- southern Californian bankruptcy law experts
- stabilized lease
- stabilized leases
- standards for bankruptcy
- state of a deed after divorce
- statement of intention
- statement of intentions
- statute of limitations
- stay in the house after filing for bankruptcy
- stiffed on a personal loan
- stop all collection activity
- stop collective action
- stop making payments to creditors
- stop rv repossession
- stop using credit
- stop wage garnishment
- stopping wage garnishment
- stopping wage garnishment during bankruptcy
- stress over money
- strip a second mortgage
- struggle with credit card debt
- struggling to pay on debts
- student borrowers in default
- student debt relief
- student financial aid after bankruptcy
- student loan balance be discharged
- student loan cosigner files for bankruptcy
- student loan debt
- student loan debt leading to bankruptcy
- student loan in list of creditors
- student loans after bankruptcy
- student loans in bankruptcy filings
- sued by the collection agency
- sued for non-payment
- suing them for payment
- suing to collect on a personal debt
- surrender of the property
- surrender your vehicle
- surrendered property
- suspend or modify chapter 13 bankrupty payment
- tax consequences of filing for bankruptcy
- tax debt in bankruptcy
- tax liability
- tax penalty
- taxes
- teresa giudice
- terminate the garnishment
- the right bankruptcy attorney
- title loan
- too late to file bankruptcy
- too much equity in your home
- total amount of debt
- transfer of property
- transferring debt with the sale of the company
- transferring liability
- treated as an asset during bankruptcy
- trust
- turn over my tax refund
- type of bankruptcy
- types of bankruptcy
- u.s. bankruptcy code
- u.s. bankruptcy laws
- unpaid credit card debt
- unpaid debt
- unpaid mortgage balances
- upside down in your home
- utility bills in bankruptcy
- wage garnishment
- wage garnishment after filing
- wages garnished
- walk away from the house
- walking away from a house
- walking away from the house
- westgate law
- westgate law bankruptcy attorneys
- What to tell you future employer about your bankruptcy
- when i file
- when i file bankruptcy
- when to file bankruptcy
- when you file bankruptcy
- who could file
- who should file
- why are my wages being garnished
- why didn’t my wage garnishment stop
- why the military cares about your finances
- why wasn’t my debt discharged
- wildcard exemption
- will my car be repossessed when I file
- wipes out all your debt
- won a judgment
- worst case scenario
- your bankruptcy