Rochelle N Belnap’s Answers

Rochelle N Belnap

Tempe Credit Repair Attorney.

Contributor Level 10
  1. I received a notice of judgement on my credit report. The judgement had been paid back in June by garnishing my pay.

    Answered 10 months ago.

    1. Jason Carl Kennedy
    2. Deborah F Bowinski
    3. Rochelle N Belnap
    3 lawyer answers

    I agree with the previous answer. Also, please note that even though you paid the judgment, the judgment may be reported on your credit report. So long as it is reported as "satisfied" the reporting of the judgment is correct. The collection of the paid judgment is a different issue that Jason addressed. Good Luck!

    6 lawyers agreed with this answer

    1 person marked this answer as helpful

  2. Have a settlement offer. I want to settle. Just want to make sure this language is not a trick of some kind.

    Answered 9 months ago.

    1. Glen Edward Ashman
    2. Rochelle N Belnap
    3. Shaye Larkin
    4. Brett D Weiss
    4 lawyer answers

    I agree with Shaye's answer. It is important that you consider consulting with an attorney in your area to determine whether you are even liable for the debt and your options for settling the debt. You may also want to check your credit report and see what other collection accounts you may have, so that when you are making the decision to settle you will have a better idea of whether bankruptcy may also be an option. Good Luck!

    6 lawyers agreed with this answer

  3. Debt, worried about creditors

    Answered 10 months ago.

    1. Christine B. Adams
    2. Shaye Larkin
    3. Michael T Warshaw
    4. Robert Jan Suhajda
    5. Rochelle N Belnap
    5 lawyer answers

    I agree with the previous answers. Also, as far as settlements are concerned you may not have very many options. It sounds like you would not be able to afford to settle at this time because of your new venture, which means that you will need to wait until you can afford a lump sum payment. However, with time your balances will grow and the delinquent accounts will continue to impact your credit. I am a big fan of debt settlement, but in your case it just does not sound like the best...

    6 lawyers agreed with this answer

  4. My ex wife is intentionally making every mortgage payment late to affect my credit. Can I take legal action against her?

    Answered about 1 year ago.

    1. Rochelle N Belnap
    2. Norman P. Moore Jr.
    3. Simon Goldenberg
    3 lawyer answers

    Based on your question, it appears that you are the party liable for the mortgage payments to the mortgage lender, not your wife because she was not on the loan. As far as your recourse against her you should consult with the attorney who assisted you with your divorce regarding your civil remedies. As far as obtaining mortgage financing, you should consult with a mortgage lender in your area regarding financing guidelines. In some cases, the recency of late payments can affect your...

    6 lawyers agreed with this answer

  5. Have a charge off from Bank of America last date reported was September 2007 recently Bank of America updated the status

    Answered about 1 year ago.

    1. Michael Raymond Daymude
    2. Rochelle N Belnap
    3. Kevin Samuel Sullivan
    3 lawyer answers

    Your questions is somewhat complicated. The short answer is that updating the status date can affect how long the account will be reported on your credit report. This kind of action is called "re-aging" and it can adversely impact your credit score, and it is usually done in error and can be corrected by disputing it with the credit bureaus. However, in your case, you should consult with an attorney in your area regarding your potential financial liability for the underlying debt. If you...

    6 lawyers agreed with this answer

  6. Can and how do I get a credit card debt in collections removed from my credit report?

    Answered about 1 year ago.

    1. Eric Edward Rothstein
    2. Rochelle N Belnap
    3. Jayson Lutzky
    4. David John Hastings
    4 lawyer answers

    You can only dispute inaccurate information on your credit report. Unfortunately, just because information is derogatory does not mean it is inaccurate You should consult with an attorney in your area regarding your financial liability for the debt. In your case, depending on whether you are liable will affect how the account should be reported. However, even if it is inaccurate, the debt collector may correct the reporting as a result of the dispute. The debt collector does not...

    6 lawyers agreed with this answer

  7. Reporting of past due balances for Foreclosed/Mortgages past 5 years

    Answered 10 months ago.

    1. Rochelle N Belnap
    2. Dorothy G Bunce
    2 lawyer answers

    You asked a very common but complicated question. You should consult with a Real Estate Attorney in your area to determine if you are liable for the reported "deficiency balance" because if you are and you try to dispute the account it could trigger collection efforts, including a law suit. If you are not liable for the debt, meaning it is no longer enforceable, then you can dispute the matter with each of the credit bureaus asking them to close the account - so a "paid collection" with a...

    Selected as best answer

  8. Offsetting Judgements in Divorce

    Answered 11 months ago.

    1. Rochelle N Belnap
    2. Jessica M Cotter
    2 lawyer answers

    This is a very complicated set of facts that will require you to seek immediate legal assistance. With that being said, as far as your obligation to pay $32k in attorney's fees you will probably need to resolve that issue separately. However, you may be able to negotiate a settlement (pay them less than the full balance) with the judgment creditor to reduce your total liability but you will need to seek legal counsel to do so. As far as your ex wife's obligation to pay you $26k for...

    3 lawyers agreed with this answer

    1 person marked this answer as helpful

  9. Unpaid medical bill as a tourist, and future credit score in case of immigration to the USA?

    Answered 10 months ago.

    1. Giacomo Jacques Behar
    2. Alexander Joseph Segal
    3. Rochelle N Belnap
    4. Christine B. Adams
    5. Simon Goldenberg
    5 lawyer answers

    Unless you already have an USA social security number the hospitals and debt collectors really can't report anything to the credit bureaus. But once you receive a SSN and assuming these creditors continuously try to report information to the credit bureaus, then it will appear on your credit report. Credit reports and scoring is different between countries. But to answer your question, it should not affect your immigration ability. Good luck!

    5 lawyers agreed with this answer

  10. Best plan to handle having multiple payday loans to cover loss of incomes and bills?

    Answered 10 months ago.

    1. Michael Glynn Busby Jr.
    2. Gary D. Bollinger
    3. Rochelle N Belnap
    4. Christopher Daniel Leroi
    4 lawyer answers

    You should consider consulting with a debt settlement and bankruptcy attorney in your area right away so you understand your options. Good Luck!

    5 lawyers agreed with this answer