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You must file a means test with your chapter 7 bankruptcy (you do not say but you suggest you will not be filing a chapter 13 wage earner plan) and the means test incorporates six months' prior household income against standardized expenses. The schedules filed with the bankruptcy petition will present joint income and projected monthly expenses. So his income is included though his debts will not be. Bottom line is your filing may not or may not affect him. Confer with a bankruptcy...
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Please refer to my prior response. Because of the likelihood of identity theft downloading your daughter's current credit reports from Experian, TransUnion and Equifax is more important than ever. A single link to the bug three credit bureaus is provided below. Once you get the basic information in writing from these collection agents you need to advise in writing that you only will communicate in writing. The notice may need to come from your daughter if she is the account holder....
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The general answer is no. Most rescue shelters are run on a shoestring by caring volunteers. Even so, I find it strange the rescue shelter gave you no receipt or papers, not even health records, for the dog. You should at the very least have access to those veterinary records to be sure the animal is healthy and has all required inoculations, etc. It could be the rescue shelter has posted rules and regulations pertaining to pet adoptions on its website or on its premises and the "...
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My law firm frequently negotiates payment plans or settlements with creditors. Each case is fact specific. However, be aware that if you pay less than the full amount owed there may be cancellation of debt (COD) liability to you. This means the creditor will likely report the amount of debt forgiveness to IRS and NYS Tax Department on a tax form 1098 and the taxing authorities will treat this as taxable income. You may wish t o consult your accountant or tax preparer about COD liability....
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Your question is troubling and raises serious questions that require more information and are beyond the scope of this forum to fully answer. That said, if you see something wrong say something, even if anonymously. I observe however that there are more than 5,000 well-run, community based, member-managed, cooperative credit unions operating in the United States today. My law firm routinely represents the interests of credit unions in the courts of NY and NJ. Although my experience with...
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Disputes over unused gym contracts are more common than you might imagine. These contracts are carefully constructed and updated following years of experience in court cases seeking enforcement and termination. Review your contract carefully. What does it say about cancellation in writing? Are there specific terms governing dispute resolution? You may wish to confer with a VA attorney (or the state AG) to see if you were defrauded or misled in some way or if other factors weigh in your...
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From what you say the Chapter 11 case is not likely to have any immediate effect on your mortgage obligation. But pay close attention to the Chapter 11 and monitor the proceeding through your bankruptcy attorney if possible. Things can change quickly in bankruptcy depending on what happens to your mortgage company in connection with its case and whether a plan is successfully confirmed. I suggest you stay in communication with your lender and pay close attention to the case. In...
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Although bankruptcy Chapter 11 cases are governed by federal law, bankruptcy judges will often defer to a state court judge's ruling on marital obligations in matters of domestic support obligations (DSOs). Alimony and support obligations are governed by California law. Typically, a DSO is ordered by the state court judge only after notice and a hearing and full consideration of the facts and circumstances. One would anticipate that non-debtor spouses presenting DSOs to a bankruptcy...
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Corporations are known as limited liability entities for a reason. Generally, the owners or former owners are not liable to business creditors in the absence of a personal guaranty, fraud or other factors. And then there is the issue of successor liability, or whether the business purchaser is liable for the debts of the acquired company. In any case, this does not mean you should simply ignore the summons and complaint served upon you. If you do not respond within the allotted time you...
The answer to your question is a matter of contract law. When you purchased your condo unit you agreed to certain governing documents permitting the HOA to operate the association for the benefit of all owners. If you reread these documents and the accompanying rules you will likely find the answer. In most cases legal fees and collection costs and late charges are imposed. if you cannot find your copy ask the property manager or the HOA lawyer. There is almost certainly a provision making...