They said I got 21 days to pay it back in full but I'm only a high school senior and now I'm jobless so that's impossible to back
When you receive a letter from a debt collection attorney, you should always demand proof of the debt. Send the debt collector a letter demanding proof of the debt. If the debt is not yours, send a cease and desist letter. You may want to pull your credit report to make sure someone has not used your identity. You are entitled to a yearly free credit report and a good place to start is: www.AnnualCreditReport.com. If the debt is yours and you were under the age of 18 when it was incurred, you may not be responsible for the debt. FYI, a quick internet search indicates the law offices of Michael Ira asen is a debt collection law firm in Greenvale, NY.See question
It was finalized in July 2007
You can re-file 8 years and 1 day after you filed your 2007 case. The filing date controls the time period, not the discharge date. If your 2007 case was filed on March 8, 2007, then you could re-file another Chapter 7 case on March 9, 2016.See question
My friend cosigned on my car several years ago. I am now upside down with just under $4,000 owed on a car only worth $2,800 before the transmission went out. I called to talk to her about repossession and she tells me that she is filing for bankru...
If you are a co-signer on the loan and your friend files a Chapter 7 Bankruptcy, only her obligation will be discharged. You will still be obligated on the loan. If she files a Chapter 13 (Repayment Plan) the some portion of the debt might be repaid through her Chapter 13 but you can still be held liable on any unpaid balance as a co-signer.See question
I found the following on PACER for my case filed over a month ago... "I the trustee......report that I have neither received any property nor paid any money on account of this estate; that I have made a diligent inquiry into the financial affai...
Provided the Chapter 7 Trustee does not amend or withdraw the Final Account and Report, then you are correct in that you will not have to surrender any property. In Bankruptcy, there is no exact date you will receive your discharge. There is a 60 day rule that basically says a debtor can't get a discharge for 60 days after their 341 meeting. Day 61 isn't the exact day you will receive the discharge but only the first date you are eligible to receive the discharge.See question
The payment is too high and my wife just moved out a month ago. I am filing chapter 7 without her. 2 separate households. Can I walk away from the truck even though the loan is only 6 months old? Thanks!
You should have no issues listing the debt and having it discharged.See question
Work for the Federal Gov't want to file bankruptcy. Will this effect my job! I know Gov't is very strict on this subject! But just getting by on my paycheck. Credit cards are at the max. Had mortgage re modify and still barely making it.
Federal law prohibits employers from firing you from your job because of a Bankruptcy. HOWEVER, if your governmental job is one that requires a security clearance, it could affect promotions in the future. With that said, unless you have a high security clearance, this shouldn't be an issue.See question
Property in Atlanta, GA. Went to auction today. I understand I am still responsible but can property close if HOA fees are outstanding? Would new owner have to pay as I have no ability to do so.
The short answer is yes, the property can close depending on the agreement between the purchaser and the HOA. BUT the HOA can still collect any HOA dues that were accrued after your bankruptcy filing. HOA dues are assessed against the owner of the property and until the bank forecloses or the property sells, you are the owner of the property and the person who gets the bill. A Chapter 7 Bankruptcy filing covers the debts you owed up to the time you filed the Chapter 7 case but not debts incurred after the filing. HOA dues are that became due after your Chapter 7 filing would not be covered by your Chapter 7 case. This is an unfortunate loop hole in Bankruptcy law.See question
It's been 3 months since I submitted my answers of denial to Fulton County Magistrate Court on a debt collection summons. The court clerk stated that I would be notified of a court date. Yesterday I received a letter from Hanna & Associates, the a...
Once a lawsuit is filed and an answer is filed, the courts will set the matter down for a hearing. The consent judgment you received from Hanna & Associates is an attempt to get you to agree to a judgment in their favor without having the matter go to trial. If you sign the consent judgment, then Hanna & Associates will be able to start collection proceedings, such as garnishing your wages or putting liens against any property you own. If you do not sign the consent judgment, then the matter will proceed to trial. Depending on your financial situation, a bankruptcy filing may be a good option as it will stop the lawsuit from going forward.See question
i have filed bankruptcy and i have a lawsuit so i added it to the statement of affairs but do i need to list it on the creditor list too?
If you are the defendant on the law suit, you need to list the plaintiff and plaintiff's attorney on schedule D or F, depending on if the underlining debt is secured or unsecured. If you are the plaintiff, then you need to list the lawsuit on schedule B and exempt as much as possible depending on the type of case.See question
I have an outstanding credit card with Capitol one and got a summons, I am getting ready to send them my formal general denial answer. I was wondering if it was too late to file for Bankruptcy once we are in court with this summons? Also can I hir...
You can file a Bankruptcy case now. When you file, an Automatic stay goes into effect and the state court action is frozen while your bankruptcy case is pending. Contact a Bankruptcy attorney in your area to get more details.See question