Brent Francis Vullings’s Answers

Brent Francis Vullings

Collegeville Credit Repair Attorney.

Contributor Level 8
  1. Can I file for bankruptcy without including my husband? Also I have two cars and a trailer at the beach will I lose all these

    Answered 15 days ago.

    1. Brent Francis Vullings
    2. Sandra A Kuhn Esq.
    3. Jeremy S. Davidson
    4. Gerard William O'Brien
    5. Lawrence W. Lobb
    6. ···
    7 lawyer answers

    You can file for bankruptcy without including your husband, yes. However, if you live together, his income will appear on your Schedule I and will be included in the Means Test to determine whether you are eligible for Chapter 7 Bankruptcy. As to whether or not you will be able to retain your assets, you will want to speak with a bankruptcy attorney. All of the assets of a debtor who files Chapter 7 Bankruptcy are usually retained, but there are exceptions.

    11 lawyers agreed with this answer

  2. If I marry a man who is deeply in debt, would I also be liable for his debt. If so, could this be avoided by a pre-nup?

    Answered 17 days ago.

    1. Brent Francis Vullings
    2. Julia E. Simmons
    3. Sandra A Kuhn Esq.
    4. Lynda Wesley
    5. Kenneth E. West
    5 lawyer answers

    So long as you didn’t co-sign it or guarantee it, you shouldn’t be liable for his debt incurred prior to the marriage. Your overall credit scores, or overall ability to obtain credit jointly, may be adversely affected, however. A Prenuptial Agreement can be of assistance in spelling out what debts would be his responsibility in the event of divorce.

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  3. A back ground check showed a suspension that never happened.

    Answered 3 months ago.

    1. Brent Francis Vullings
    2. William Ray Pelger
    3. Gregory Thomas Artim
    4. David Frederick Barrett
    5. J. Denise Carter
    6. ···
    6 lawyer answers

    The Fair Credit Reporting Act does cover such reports. Good chance your file has been mis-merged with someone with a similar name. There is also a good chance you will need an attorney’s help with dispute letters and a possible lawsuit. Our firm offers no cost legal services in situations such as these. Pursuant to the Fair Credit Reporting Act, your legal costs are completely paid by the offending party.

    4 lawyers agreed with this answer

  4. Is it true you can file for chapter 7 without waiting the 8 year period from last filing/discharge

    Answered almost 2 years ago.

    1. Dorothy G Bunce
    2. Stuart M Nachbar
    3. Alan D. Walton
    4. Brent Francis Vullings
    5. Jacques H. Geisenberger Jr.
    6. ···
    6 lawyer answers

    Your re-filing time period is 8 years from the last discharge. You cannot "hold off" the discharge until after the 8 year mark. That is up to the court and the trustee. However, you may be able to file a Chapter 13 depending on your situation and then perhaps even be able to convert to a Chapter 7 should the trustee and court agree that it is appropriate at the time. Definitely seek the advice of a competent bankruptcy attorney to do this.

    4 lawyers agreed with this answer

  5. How long after a person dies does a bill collector have to make a claim in the state of PA?

    Answered about 2 years ago.

    1. Brent Francis Vullings
    2. Jacques H. Geisenberger Jr.
    3. Daniel Anthony DeLiberty
    3 lawyer answers

    Typically 4 years if you are referring to a claim as in a lawsuit filed to collect the debt. If you are referring to a claim against the Estate, it will depend on when the estate was raised and whether the appropriate steps were taken in probate. However, the executor/executrix and the heirs are not personally responsible for the debts. Don't be fooled by those unscrupulous debt collectors who will say otherwise. I currently have a case wherein the adult child has been threatened and told...

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  6. Getting to get an old creditor to stop reporting a debt

    Answered 5 months ago.

    1. Ying Zhou
    2. Brent Francis Vullings
    3. Daniel Tam
    4. Robert John Willis
    4 lawyer answers

    You should speak to an attorney who handles credit report problems.

    3 lawyers agreed with this answer

  7. How much do i have to pay, and will they remove it?

    Answered 6 months ago.

    1. Daniel Edward Mueller
    2. Brent Francis Vullings
    3. Mark Copoulos
    4. Robert J Adams Jr.
    4 lawyer answers

    There is more information that is still needed to be give you a complete response but you should obtain a copy of a statement, letter, etc. from the Plaintiff indicating the alleged balance now due of $3,606. If you can show that the current alleged amount is erroneous and clearly conflicts with the judgment plus interest amount, then you may have a case against the Plaintiff and could be successful in getting the tradeline corrected or even deleted from your credit. Contact us at 610-489-...

    3 lawyers agreed with this answer

  8. My husband has credit cards in his name only that he has maxed out. We are joint owners of our home, am I liable in PA?

    Answered almost 2 years ago.

    1. Robert N Braverman
    2. Christopher G. Bokas
    3. Brent Francis Vullings
    4. Robert A. Stumpf
    4 lawyer answers

    He can declare bankruptcy as an individual and likely have all of the unsecured debt in his name only discharged. Your home would be protected as long as you own it as husband and wife or tenancy by the entireties as it is called. Encourage him to seek the advice of a bankruptcy attorney such as myself to go over the possibilities with him. Brent F. Vullings, Esquire Vullings Law Group, LLC Bankruptcy Attorney / Consumer Protection Attorney 610-489-6060

    3 lawyers agreed with this answer

  9. How to proceed with a court claim being filed against me. I'm thinking for counter sueing a collection agency.

    Answered almost 2 years ago.

    1. Brent Francis Vullings
    2. David Kennedy Bifulco
    3. Nicholas Bernard Proy
    4. Daniel Anthony DeLiberty
    4 lawyer answers

    No it is not and you likely have a claim against them under the FDCPA (Fair Debt Collection Practices Act). An attorney such as myslef can help you with such a matter and at no cost. Feel free to contact me to discuss further.

    3 lawyers agreed with this answer

  10. How to file bankruptcy with no money for lawyer?

    Answered about 2 years ago.

    1. Brent Francis Vullings
    2. Amy B Good-Ashman
    3. Michael James Duffy
    4. Daniel Anthony DeLiberty
    4 lawyer answers

    There are consumer advocate groups in almost every county who can assist you at no cost to file bankruptcy and the court also allows you to file a petition to proceed in forma pauperis which means that the court may wave the filing fee for yout to file based on your financial hardship. I have represented clients such as yourself for free as well. I am able to review the situation with the creditors to determine if there is perhaps a case against some unscrupulous debt collectora who have been...

    3 lawyers agreed with this answer