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Marcus Gregory Tiggs's Answers
- 13 Legal Answers
- 2 Legal Guides
2
Attorney answers:
Ability to discharge tax lien in bankruptcy, will chapter 7 allow me to discharge other debts and pay off IRS tax lien
There is not enough information in your question for a complete answer. Would you be surprised to know that sometimes taxes are actually discharged in a bankruptcy? The general criterea are as follows: The taxes are more than three years old at the time the Bankruptcy was filed. (The three-year period begins to run from the time the returns were due, plus any periods of extension); If the return was not filed on time, more than two years has expired since the return was filed; If...
16 people marked this answer as helpful
2
Attorney answers:
To file bankruptcy or not file bankruptcy?
I feel very sorry that you are in this situation. At this time, the bankruptcy laws do not allow the court to modify your 1st mortgage. As for loan modification, I personally feel it is pretty much a big hoax. I meet alot of folks in your situation, and I have only met just a few people who ever got their loans modified. I suggest that you immediately seek the help of a non profit , HUD approved credit counseling agency for assistance, and not pay anyone for such help.
2 people marked this answer as helpful
2
Attorney answers:
Collector refuses to settle debt, is bankruptcy my only option?
I am very sorry that you a facing such a frustrating situation. You are trying very hard to do what you feel is right, but you can't force the creditor to settle with you at a discount if they don't want to do it. I can understand that you don't want to ruin your credit by filing bankruptcy. However, I think you already have ruined it. Not only do you have the bad credit of failing to pay on the credit cards, but they have sued you, obtained a judgement, and they are garnishing your wages...
5 people marked this answer as helpful
2
Attorney answers:
Can a debt collector contract your landlord and ask for personal information under NY debt collection laws
It is an illegal invasion of your privacy if the debt collector tells a 3d party that they are trying to collect an unpaid debt that you owe. However, if they call your landlord or anyone else for that matter, they can ask questions about you so long as it is done without revealing anything that invades your privacy. On the other hand, you may have a case against your landlord, your bank, or any other party that has a commercial relationship with you if they reveal such information...
5 people marked this answer as helpful
2
Attorney answers:
Could filing for chapter 7 bankruptcy stop lawsuit by creditor
I am sorry that you are experiencing these troubles. You are probably at the stage where your credit is already wrecked, so you sould at least look into the possibility of filing bankruptcy. You can do this by having a consultation with a bankruptcy lawyers. Most bankruptcy lawyers don't charge for a consltation, and then you will know where things stand. After that, you can still try to work out a settlement with the creditor if you want to. I hope things turn around for you real soon.
3 people marked this answer as helpful
1
Attorney answers:
My husband is filing Chapter 7 bankruptcy without me and will not include me on the bankruptcy. We are in the middle of a
I am so sorry that you are in this situation. My heart goes out to you. You can't force your husband to include you in his bankruptcy, if he doesn't want to do it. His taking of community property to pay his lawyer fees is an issue that would have to be dealt with eventually in divorce court. I think you should consult with a divorce lawyer, and find out about your rights to receive spousal support and child support.
2 people marked this answer as helpful
2
Attorney answers:
If a student files for bankruptcy will it affect student's ability to get student loans in the future
It might depend on the type of loan you a person would be seeking. Many student loans are offered thru private lenders, (who usually charge horribly unfair interest rates). A private lender may discriminate against you for filing a bankruptcy, because they are making a lending decision based on what they believe will be your ability to repay. I believe that loan programs thru government agencies will not discriminate against you, but you should check with the lending program for specifics. I...
2 people marked this answer as helpful
3
Attorney answers:
Can bankruptcy trustee come after a car that was transferred to me and I have been making the payments
You should be fine so long as you can clearly establish that he was merely a co-signer and that all the payments were made by you with your own money. Get all such records together now, just so you will be ready in case this comes up in his case.
1 person marked this answer as helpful
1
Attorney answers:
When can I get a chapter 7 bankruptcy discharged in 2005 off of my credit report
You can't make them agree to a reafirmation, and a reafirmation has to be made and filed with the court before a person gets a discharge. So, it's too late for that to happen anyway. The debt is being correctly reported, because your personal liability was discharged, (assuming what you say is correct, and I have no reason to doubt you.) Assuming the debt was discharged, you are able to walk away from the mobile home, however you may be liable for the space rent. You should talk with an...
1 person marked this answer as helpful
3
Attorney answers:
Should I file for bankruptcy since debt reduction company is not helping my situation
Your question really shows just how bogus and ineffective these debt reduction companies may be. Consumers are fooled into believing they are handling their debts, but your creditors often have never consented to be involved in the program! The result all too often is the creditor goes right ahead with debt collection, including adding interest, fees, and proceeding with lawsuits. The real tragedy is that you probably paid that debt reduction company more money than it will probably cost to...
1 person marked this answer as helpful