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Edward W. Harness

Edward Harness’s Answers

123 total


  • I owe a substantial amount of money for parking tickets and moving violations to get my license back. If i filed chapter 7 could

    I repay and get my license back as soon as possible!? Or do i have to file chapter 13 for that.

    Edward’s Answer

    You need to file a Chapter 13 to get your license reinstated and get the citations discharged. As soon as your case is filed you can pay the reinstatement fee and get your license back.

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  • I was served with notice of collections on an account, on the service paper it has the due date of 4/21/1915, could that help?

    Delinquent on credit card account, I was served but the date is wrong. Since this is an official document I'm wondering if there's a loophole that would allow the case to be dropped or at least held off for a couple months. The amount isn't ridicu...

    Edward’s Answer

    A letter is not a document on which a garnishment can start. Besides, your disability check cannot be garnished.

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  • My late husband passed 2.16.15 after cancer leaving 5000 in medical bills. Do I have to pay the bills?

    I have started a repayment plan but I am living on SS.

    Edward’s Answer

    If your sole source of income is Social Security and you do not own real estate there is nothing the hospital can do to collect the debt from you. Even if it gets a judgment it will not be able to collect upon it. If you own your home a lien can be placed on any equity that exists.

    I'd suggest you speak with an attorney to review your debt to make sure you can stop the repayment plan you have in place.

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  • If your ex wife owed you money in a divorce then claimed chapter 13

    my ex wife and i got a divorce as a court order she was suppose to pay me out for half of what the house was worth well before the date that she had to she filed chapter 13 bankruptcy i was sent a letter but i do not know the law and i guess i was...

    Edward’s Answer

    What you've described may be fit the definition of a Domestic Support Obligation. If it is a DSO it is not dischargeable and will survive the bankruptcy. The fact that you got a Notice from the court shows there is the possibility to get paid through the Chapter 13. Follow-up and file a claim.

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  • I want to file a motion to reopen a chapter 7 after discharge, what form do I use?

    A creditor did not return money that was an exempt asset in a chapter 7 case and I want to file a motion to reopen the case and then file adversary proceedings. How long after discharge can I file to reopen the case and what form do I use? I live ...

    Edward’s Answer

    There is not a form for a Motion to Reopen. You will need to draft the motion, serve it on all the creditors and file it with the court. Additionally you will need to pay the filing fee of $260.00

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  • How do I stop my wages from being garnished for medical bills.

    I had cancer and needed medical care 3 months before my jobs coverage started that did cover my surgery.

    Edward’s Answer

    A bankruptcy filing will stop the garnishment and protect your wages, but not until it gets filed.

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  • I missed my last modification payment in January but made it on Feb 2nd then got a letter saying I was removed.

    I had surgery in the end of December couldn't make it to bank in January so I made payment in February it was my last payment for trial what can I do?

    Edward’s Answer

    Call your assigned loss mitigation specialist and see if you are still eligible for a permanent modification.

    If not you need to speak with an attorney to explore your options to prevent a foreclosure.

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  • What is the statute of limitations in Wisconsin on a payday loan

    I received a call from a JS Resolution saying I owe a payday loan from 2004 and threatened me with legal action if I didn't agree to resolve the matter and said they are suing me for a bad check is this possible

    Edward’s Answer

    The statute of limitations in WI is six (6) years for a consumer debt. Most likely this is a debt buyer churning some old accounts. Send them a written request to prove the debt and point out this is beyond the statute of limits. I'l bet they go away.

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  • Can a husband file for ch 13 to save a home that was purchased during marriage but in the wife name?

    also if the husband is not working can the wife pay the bk fees if she is a non filing spouse

    Edward’s Answer

    Yes, your husband can file to protect your home. You as the non-filing spouse can contribute towards the chapter 13 payments.

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  • Consumer Law wrongful reposession

    When your in negotiation stage with the company that has wronged you and you tell them what it is you want, they give a counter offer and you don't agree, how to proceed after.

    Edward’s Answer

    Your next step for a wrongful replevin is to file a law suit against the company. If your case is a consumer case you may be able to recover attorney fees, if you hire one.

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