We went to court and I won the warrant in debt. the individual has the means to pay in full, but is refusing, I got an order that allowed me to garnish his bank account, do I take it to the bank and get the money, or file it with the bank and they...
In New York you can send a restraining notice to the bank with the order or you can go to the Sheriff and get the order enforced, minus fees.See question
Thanks so much in advance!
Why wait? Also you can ask for an extension of time to file, but better to get ahead of it.See question
If I am being asked for documents that I have already said i don't have access to, don't have control over, don't have custody over, how do I respond to a further request for documents? Am I supposed to go steal them? I don't wanna get in trouble ...
You have to object to the request. The attorney will bring a motion to compel production and you have to respond by stating your defenses. If you can get the documents through a reasonable amount of effort you are supposed to get them but you do not have to create documents that are responsive if they do not exist. if it is an account history or phone bills that you do not have but you can get them by requesting them you are supposed to (generally) get them and produce them.See question
In this case the loan is a second and a paper trail confirms that it was predatory in every sense of the word. An automatic stay had been in place due to the lender's bankruptcy. With no notification to the homeowner, the note on this property ...
Usually the purchaser of a Note takes the Note without assuming the liability of the originator. Predatory lending issues, TILA etc., are not a defense to a foreclosure. You may have rights in defense of the foreclosure but you will have to locate an experienced attorney to help you assert these defenses, especially in California.See question
Can i get this off my credit report?
No. There is a long statute of limitations on student loans and a "charge off" is an accounting entry made by a bank. It does not satisfy the debt. private student loans have enhanced protections since a change in the bankruptcy laws in October 2005.See question
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How can a loan be paid off by mistake? If the bank made an accounting error and now they have corrected it and the loan was not in fact paid off then they can sue you. Fault is not an issue. Did you or someone on your behalf actually make the payments?See question
So I need to file for bankruptcy and I can't afford a lawyer to do so. Where can I find a lawyer that does pro bono work.
Contact the local court and see if they have a list of attorneys who do pro bono work. Good Luck.See question
I filed bankruptcy June 2014. I've been waiting for my tax refund for going on 2 months now and I need my money! The original Trustee passed away so his cases were sent to a new office. I contacted the new office & the secretary reviewed my return...
Generally the Chapter 7 Trustee is not going to waive the estates interest in any property until they know what it is. I have never had a tax refund withheld from a client by the IRS because they were in a 7. Normally the Trustee orders the debtor to file their taxes right away and keeps the case open until the tax refund comes in and the Trustee sees the check.See question
My house is soon to be foreclosed. I recently vacated the property and called the mortgage company to inform them. They have not secured the residence yet. After I moved out, the basement flooded. The insurance is in my name but I haven't been...
If you are on the Deed you are responsible for the property. I advise all of my clients to stay in the house and maintain it or you can be liable for code violations.See question
We are in New York State and the bank didn't follow proper procedure and had to vacate the foreclosure in 2010 sometime. They have since not foreclosed and have had various haphazard ways of trying to resolve our issue. The largest issue facing us...
The SOL does not run out because you are supposed to continue to make monthly payments. You can get rid of the second and third mortgage IF the Fair Market Value of the house is less than the first mortgage.See question