http://www.avvo.com/search/answer_search?q=Bankruptcy+%2F+Debt Avvo.com - Questions containing 'Bankruptcy / Debt' http://www.avvo.com/legal-answers/garnishment-of-wages-by-wells-fargo-financial-wher-24547.html My sister and her husband recently discharged most of their debts and are in credit counseling. They had purchased an expensive truck ( about $42,000) and had financed it with Wells Fargo Financial. They turned the truck back to the dealer who resold it for about $15,000 less than their original loan. Wells Fargo Financial is now garnishing my sister's wages for $1200.00 per month until the $15,000 is paid off. This leaves them nothing to live on after their mortgage payment. My brother-in-law is now on disability because of a disease that he will eventually expire from. They would like to set up a payment plan with Wells Fargo Financial, but Wells Fargo will not listen to them or offer to help in any way. Are their any options for them? They have offerred in good faith to try to work this situation out. My sister has an excellent job with the US government. In addition to making the $1200/month payments. Every 3 months she has to pay $75.00 for Wells Fargo to garnish her wages again. She is at her wits end and does not know what to do Thank for any advice that you can give. Fri, 05 Dec 2008 06:59:13 PST http://www.avvo.com/legal-answers/reaffirmation-agreement-24500.html My son filed Chap 7 with a paralegal and went to court 9/25/08. We have received several letters from creditors since to review and sign reaffirmation agreements. Please explain if we need to respond and sign these papers. I thought once banktfuptcy is filed with the courts creditors can no longer send Thu, 04 Dec 2008 20:38:19 PST http://www.avvo.com/legal-answers/can-a-lender-foreclose-on-your-home-for-a-heloc--24495.html I've had a home equity line of credit for 2 years with a bank in Orlando, FL. Due to being laid off in the financial industry we have not been able to make the paymenta for the last 3 months. Can the bank foreclose on us for a heloc? We are considering Chapter 7 for our unsecured debt. Thanks. Thu, 04 Dec 2008 20:01:41 PST http://www.avvo.com/legal-answers/how-can-we-stop-a-wage-garnishment-24453.html how can we stop a wage garnishment? we cant pay our bills. Thu, 04 Dec 2008 15:35:31 PST http://www.avvo.com/legal-answers/collecting-a-charge-off-bought-by-an-collection-ag-24431.html I live in California. I had charge off about 10 years ago in Kentucky. A place in San Deigo has bought this old account and is now trying to collect it. What is my rights if any on this matter and how much if any do I have to pay and can they call me at my work place trying to collect. Thu, 04 Dec 2008 13:30:13 PST http://www.avvo.com/legal-answers/am-i-responsible-for-elderly--parents-debt--24429.html My 67 year old mom who has been living with my brother has been asked to leave the house because they are fighting. She had built on her separate living quarters when she first started living there with them. She has no other assests and owes credit card debt. We are going to let her live with us. My question is will we be responsible for her debt if we allow her to live with us and is there a way to recover the $ that was spent on my brothers house? Thu, 04 Dec 2008 12:50:40 PST http://www.avvo.com/legal-answers/repossession-of-vehicle-24426.html I had a car repo in 06. The monthly payments were up to date. It took me two months thru two attorneys to find out Insurance was a factor. However I had insurance and sent in proof. The bank sold the car without notifying me of the sales date. What can I do? This is on my credit record and I do have proof of payment and insurance. Thu, 04 Dec 2008 12:33:29 PST http://www.avvo.com/legal-answers/down-payment-on-a-car--24423.html If someone was supposed to make a down payment on a car by a post dated check, but didn't pay and filed bankruptcy is the co-borrower responsible for that check even if it isn't in their name? If so, what can happen to the co-borrower. Also, the bill of sales shows that the amount was paid, but it wasn't. Thu, 04 Dec 2008 12:24:23 PST http://www.avvo.com/legal-answers/ch7-and-cancellation-of-debt-income--24406.html I have had a 2 foreclosures in '08 My chapter7 in Ga. is being carried forward to possible discharge in '09. Will I be responsible for cancellation of debt for the foreclosure in '08 since an answer is pending with court. IRS did not have an answer for me. Thu, 04 Dec 2008 11:06:35 PST http://www.avvo.com/legal-answers/paying-down-debt-or-filing-for-bankruptcy-24399.html me and my spouse paid 17000 in cash to pay off debt 4yrs ago we have 8 positive 8negative all paid in full instead of filing bk and our credit score still goes no where and on the 8 positive 10grand and over we naver been late. were we better off filing a bk. what can we do? Thu, 04 Dec 2008 10:47:37 PST