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Ingrid H. Rudolph

Ingrid Rudolph’s Answers

18 total


  • When filing for bankruptcy, as co-borrower on a home in loan modification review, do I list the debt when I am not on title?

    I am retired and must file bankruptcy. I am co-borrower on a mortgage that is in default and is being reviewed by bank underwriters for a loan modification. A quit claim deed took me off title nearly 2 years ago. I do not and never have lived in t...

    Ingrid’s Answer

    Yes, you must list the debt if it is still owed. If you can wait for the loan modification to be final, you would not have to list the debt. But as it is, you are the co-signer- you are responsible so include it on your filing.

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  • How do I defend myself against an attempt to extract filing and collection fees in court.

    The disputed amount is about 300, so I have no intent to hire an attorney. I had a medical bill issue where the provider refused for 30 months to provide me a "detailed invoice" where I could see the bills, payments, etc.... or even assist me i...

    Ingrid’s Answer

    It might be possible to get free legal advice from Northwest Justice Project, -a non-profit Washington agency providing legal assistance for just this type of thing- to low income individuals. I am not sure if you meet their criteria, but at the least, they are a great source for information. As for the impending trial, make sure you adhere to deadlines set by the court for exchanging documentation/discovery and provide the court and the Defendant with copies of all your correspondence showing you repeatedly asked for a detailed invoice. If you asked over the phone, provide the court with an affidavit signed by you stating the dates and times you called, who you talked to, what the content of the conversation was. Familiarize yourself with the Fair Debt Collection Practices Act, and if you feel the collection agency violated same, file a counter suit. Good luck.

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  • My husband gave up his condo before we married. Will the lender be going after me if the debt left after the condo is forecloure

    Is it any risk of being taken away my asset by the lender if my husband is not able to pay his mortgage by judical foreclosure?

    Ingrid’s Answer

    You have nothing to worry about. The condo is pre-marital property, and as such you are not responsible for the debt. I assume you didn't guarantee the loan prior to your marriage? The lender will not come after you, unless they believe you have been married since prior to the loan being made. It should be a simple matter to clear up.

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  • I have an 80/20 loan in Wa state. All purchase $$. Forclosing now. Both with BoA. Can they sue for the 2nd loan after forclosed?

    I can't get a straight answer if I can get sued for the 2nd mortgage used to buy the house at purchase time. Please help! BoA is the servicer but the first loan is Fanny Mae and the second is BoA. Is this a non-recouse loan when the 1st and 2nd we...

    Ingrid’s Answer

    B of A will convert the unsecured portion of the loan to a breach of contract claim against you, yes. You can call me to discuss your options, if you would like.

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  • Statue of limitation on a debt?

    My understanding that in WA State, the statue of limitation that someone can collect on a debt is 3 years for credit cards and oral agreements while signed notes is 6 years. So for the last few years, I keep getting a letter from an old attorney t...

    Ingrid’s Answer

    • Selected as best answer

    Because the statute of limitations has passed, and to answer your question, yes it has -- she can be barred from suing you to collect it in court, but she can file the suit - you would have to file an answer objecting and raise the statute of limitations defense. However, even if she doesn't file a suit aginast you, she can still attempt to collect it outside of court. You should send a cease and desist letter, asking her not to contact you any further with respect to this debt. Also, since it is a legitimate debt (I assume), yes, she can report it to the credit bureaus. Why dont you offer to settle for, say, 50% of the total debt owed. I do that for my clients all the time. Something is better than nothing. Good luck.

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  • Can my ex husband be entitled to my military pension?

    I am nearing my retirement from from the USCS, I want to know if my ex husband can go after my military retirement. We have been together for 14 years but was only married for seven years in California. Thank you.

    Ingrid’s Answer

    He is not entitled to any portion of your military pension unless you have been married for 10 years. Period.

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  • I failed to answer debt lawsuit and now court date has been set. Has plaintiff/creditor forgotten about lawsuit?

    I'm being sued for cc debt in Meck. Co., NC. On 1/6, I was served with summons/complaint. I failed to answer complaint, and I thought a default judgment would be issued against me. However, on 4/9, I received a letter from Caseflow Management ...

    Ingrid’s Answer

    Your case will not be dismissed. By doing nothing, you are ensuring that the other party will obtain a default judgment against you. File an answer.

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  • Writ Of Garnishment

    Hi, My wife has been in debt settlement program for about a year in half she has now recieved documents from the courts saying chase is going to garnish here wages now she is not going to afford to pay the settlement company or pay the garnish wag...

    Ingrid’s Answer

    She should consider filing for bankruptcy. Any money garnished within 90 days of filing can be exempted and returned to her. I give a free half hour in office consultation. Call me.

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  • I have discovered that a debt collection is trying to take me to court. I had no information or formal summons sent to me.

    A debt collection agency had not been able to contact me (assuming because I had married and moved to a new area) and apparently is now taking me to court. My brother came across my hearing information as he was looking up his speeding ticket he ...

    Ingrid’s Answer

    Get the case number, write to the clerk of the court, referencing the case number and caption, and state the following 1) you do not live in the county in which you are being sued, 2) you were not served with any documents 3) your brother found the infromation online while looking for info on his speeding ticket. Do this right away before the company has a default entered against you. Send a copy of the letter to the debt collection agency, along with a letter demanding a copy of and and all documentation which shows you owe them any money. good luck. (Of course, now they will have your address and will start over again).

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  • How do they determine how much monet they garnish fromyour check?

    Ive been served and needing info on what i can rxpect fron the plaintiffs lawyer and judge

    Ingrid’s Answer

    They can garnish up to 25% of your pay, unless it is the IRS. If you want to stop the garnishment, talk to a bankruptcy attorney in your area.

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