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Ryan Cullen Wood

Ryan Wood’s Answers

133 total


  • What and how do I collect my money

    I have a letter from an atty assuring me I would get my money I loan to a friend from the friends personal injury lawsuit. The 'friend' stopped communicating with me. I tried communicating with the atty but he wouldn't return my calls or my cert...

    Ryan’s Answer

    You paid an attorney $750 to do what? Did they sue your "friend?" Does not sound like it. Why have you not sued this person? Do you have a signed writing for the loan in which this "friend" agrees to pay you back? If not the statue of limitations on a verbal agreement is two years, signed writing is four years. You could be within the two years still depending upon the circumstances. Did this attorney recommend suing the person in small claims court given the amount of the money loaned, $5,000? You cannot make someone pay you back money without a judgment and it sounds like you will get nothing by continuing to do what you are doing.

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  • I have a judgement against me for wel fare fraud. Can my bank account be garnished for this kind of debt?

    Can my money from working be taken out of my bank account? If so can they take all of it?

    Ryan’s Answer

    Can they take it all? Depends upon the amount of the judgment and how much you have in your bank account. Possibly.

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  • Do I still have to pay the interest earned on a judgment lien (to lawyers), after acct been levyed, fully paid off and resolved?

    $10,000 Levy. My name was on the deed but I did not own the house. Had pay check levy to pay off $10,000. Law office will not close jmt because they mentioned I own them directly for interest earned on the levy

    Ryan’s Answer

    Have them provided in writing what they think you still owe them to hang them with it later if they are scamming you. If the levy satisfied the judgment in full then it seems to me you should not owe them any further funds. It is possible the levy did not satisfy the judgment in full with interest, so you may still owe on the judgment . . . . . .. . . Your pay check was garnished is more likely. Usually the garnishment continues until a judgment is paid in full unless you stopped the garnishment somehow. Something here definitely is not adding up.

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  • Settling private loan debt after judgement has been issued

    After defaulting on 3 loans I sought counsel to help negotiate a lower montly payment. They wanted 900 and we agreed on 450 based on income and expenses (I send them all income and expenses info every 6 month to keep this payment at 450). I've ...

    Ryan’s Answer

    if you defaulted were the loans assigned or purchased by a collection agency is what I would want to know. If they are with a collection agency you would most likely be able to settle them.

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  • Is a mortgage denial because of chapter 7 a violation of 11 usc sec 525?

    applied several sites online for mortgage. when they hear I had chapter 7 in july 2013, they can't help me.

    Ryan’s Answer

    If you have not checked your credit report since you received your discharge you need to. Go to https://www.annualcreditreport.com/index.action and see what is on there. Dispute any inaccurate information. You may have inaccurate negative history dragging down your credit score still.

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  • A logging company stole my forest. At court, I got a 395,000.00 judgement earning statutory interest. The guy filed ch.13 .

    I had to hire an expert forester to inventory and appraise the stolen trees. It cost over 20,000.00 to sue. At court, I got a 392,000.00 judgement that is supposed to earn interest at statutory rate. This guy is such a shifty crook, I have not bee...

    Ryan’s Answer

    You need to hire an attorney number one. If you were not provided notice of the Chapter 13 then you have rights to enforce your judgment outside of the bankruptcy court. Be careful though and that is why you need to hire an attorney. Get a copy of the petition filed so that you will now have a lot more information about the debtor you probably did not have before. You do not really provide at what point the debtor is in the bankruptcy process. If there has not been a confirmed chapter 13 plan you have a lot of options to screw up the case and possibly get it dismissed completely. So again, start calling attorneys in your area ASAP before it is too late. Hopefully you took the proper steps to perfect your judgment and you can file a secured claim in the bankruptcy case. I do not know the state law for MI, but hopefully you have a perfected security interest in not only any real property but the debtors personal property too. Good luck.

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  • Chapter 13

    my bankruptcy has been discharged I'm finding myself back in debt and may have to do it again is that possible?::

    Ryan’s Answer

    Yes, There are time limits regarding when you will be able to get another discharge and it is different for the different chapters. Go to; http://www.fremont-bankruptcy-attorney.com/blog/2011/ive-filed-bankruptcy-previously-when-can-i-file-again-our-union-city-bankruptcy-attorney-explains/ for a further explanation.

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  • Amex is suing me i am judgment proof suit is for a personal credit card i contacted them way before i was late

    was current notified amex of cash problem asked for help lower my mins till i can get more money im self employed and now they are suing me i do not intend to answer

    Ryan’s Answer

    • Selected as best answer

    You are leaving out a lot of information necessary to fully answer your question, but it sounds like you are asking since you are self-employed and have no wages to garnish you are therefore judgment proof? If you ignore the suit they will get a judgment against you. Your bank accounts can be levied on and a lien attached to any real property you own, if any. In California a notice of lien can be filed with the California Secretary of State and that will put a lien on the judgment debtor's personal property also. So there are many ways to collect on a judgment . . .. .

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  • I owe money to a cable company and a loan company and its ruining my credit report. How do I fix this?

    Consumer Law

    Ryan’s Answer

    I am a little confused by your question given I am sure paying them on time will solve your problem. There is not magic potion to get rid of accurate negative history from a credit report despite the radio ads or commercials you see on TV. You could try settling the outstanding debt so that they will consider you current and stop reporting missed payments to the credit bureaus. Google how to increase your credit score and make your other variables the best they can be and your credit could improve........... Time and regular on time payments is how to have good credit so . . .

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  • Can old deleted judgment come back to credit report after 9 years in california ?

    i had unpaid judgment and now is remove from my credit report because is more than 7 years old. my question is can this unpaid judgment back to my report ? i know they can garnish my wage or collect money from bank , i just need to know is it...

    Ryan’s Answer

    I agree with Mr. Elie. Under the Fair Credit Reporting Act negative history can be on your credit report for 7 years. If the judgment is renewed it will be enforceable for another ten years and that information will be accurate if put back on your credit report so . . . . . . . . . . .

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