Skip to main content
Mohammed Omar Badwan

Mohammed Badwan’s Answers

101 total


  • A default judgment was entered as i was not notified of a court date after showing up and was told it was postponed. what now?

    i have had a debt collection co sue me and answered the court. the court sent me a letter to appear on a date. i appeared on the day set by the court and was told by the clerk that the judge decided to postpone because he was giving the plaintiff ...

    Mohammed’s Answer

    No need to panic. The law provides for time (usually 30 days) to vacate any default judgment entered against you. You should call the clerk's office in the county you were sued in and find out when the next court date is. If there is no court date, then you need to file a motion to vacate the default judgment. Make sure to serve the debt collection company with notice of the motion. Good luck!!!

    See question 
  • Can i get a grand larceny charge removed from my record i paid back the money involved and was on probation

    i was on social servivce and went back to work and i got a few checks

    Mohammed’s Answer

    It would depend on the laws of your state. In Illinois, you can not get a conviction (misdemeanor or felony) expunged unless a statute provides for it. Good luck!!

    See question 
  • My brother got a DWI charge and was put on probation but then 3 months ago he got in trouble and was taken to jail.

    He got charged with violation of probation and a drug ralated charge. The drug was not his and he got a hand written letter signed by the guy who it belonged to. Is he looking at jail time for his violation of probation charge given it was his ...

    Mohammed’s Answer

    Whether your brother will go to jail for the VOP (violation of probation) is completely up to the judge who sentenced him to the probation. Some judges give second chances and some do not. The letter by itself is probably will not help. Anybody can write a letter saying they are innocent. His friend would have to testify at trial that it was his drugs. Hope this helps!!

    See question 
  • I forgot my trial date , how can i find out when it is?

    my ex beat me up and i am the witness and i forgot the date of the trial. is there a # i can call to find out when it is?

    Mohammed’s Answer

    Yes, call the circuit clerk of the county where the case is pending.

    See question 
  • When I request debt validation and the debt collector to stop calling.

    Can this be done by e-mail?

    Mohammed’s Answer

    Dorothy is correct. Make sure to send it via certified mail; that way you have proof it was received. In the even that you are sued, you will have proof that you requested a validation of the debt. Sometimes collection agencies throw out the lawsuits when the Defendant puts up a good fight. Good luck!!

    See question 
  • How can I reduce amount owed on a repossessed car?

    I had a car repossessed a couple years ago. The company told me I would owe the difference between what I owed at the time, and what they sold it for. The difference was $2,000. I moved, left a forwarding address, but a person at my old address ap...

    Mohammed’s Answer

    You need to contact the collection agency and explain to them that the signature they have is not yours. Explain to them that you also did not consent for anyone to sign on your behalf. Collection agencies tend to settle for a fraction of what's owed since they buy the debt for a fraction of its value. Try offering them $1000 for them to go away. In the event they decline your offer and sue you, I do not believe they will be able to prove up $12,000 in interest and late fees. Good luck!!

    See question 
  • What can I do about a frozen bank account from a debt collector?

    Hello.. In 2000 I received a credit card with a $500 limit soon after I was unable to make payments. In 2004 the debt collectors whom purchased the debt won a civil case against me for $500-$2500 since i didnt show up in court do to fear and stupi...

    Mohammed’s Answer

    • Selected as best answer

    Each state has different exemptions regarding what personal property creditor's can garnish/seize. Ultimately, you can apply these exemptions to personal property and creditor's can not touch them. For example, in Illinois there is a $4000 wild card exemption. Illinois residents can apply this exemption to any personal property they own or have legal title to. Therefore, an Illinois resident can apply that exemption towards a bank account and a creditor can not seize the first $4000 in the bank account. Research Florida's exemptions and act accordingly. Good luck!

    See question 
  • What happens after the 341 meeting in a chapter 7 bankruptcy

    after the meeting, does this mean debts are discharged?

    Mohammed’s Answer

    The debt is not discharged until an "order of discharge" is entered, which is typically 60 days from the 341. If the trustee decides to open your estate for distribution, then the order of discharge will take a lot longer.

    See question 
  • What happens after the 341 meeting in a chapter 7 bankruptcy

    after the meeting, does this mean debts are discharged?

    Mohammed’s Answer

    The main objective of a 341 is to determine if you have any non-exempt assets. The trustee will ask YOU and not the attorney questions regarding your home, cars, job, etc. It is vital that your attorney discloses the questions that you will be asked prior to the 341. Typically the 341 will last anywhere between 5-15 minutes. If your answers do not match your petition, then the trustee will smell blood in the water. Keep in mind that you are under oath, so be as truthful as possible. Good luck!

    See question 
  • Can a collection agency file criminal charges for a 5 year old credit card debt?

    My husband had a debt with a credit card company before I met him and we made agreements to settle the debts with some of the creditors. Some of the debts were overlooked after a while and we were not contacted about them for quite a while. We h...

    Mohammed’s Answer

    A debtor can not be imprisoned for not paying his debts. Therefore, a creditor can not prosecute a debtor for failing to pay. The threats made by the collector are improper/illegal. If they persist with their threats, you should consider consulting with an attorney. Good luck!

    See question