What you described is fundamentally correct however a couple of alternatives suggest themselves. There is such a thing as a hardship discharge...

I am not a criminal lawyer but this is just common sense: Of curse you can be so charged . There is no state in the Union where a 14 year old, ...

You are not safe from a "clawback" by the chapter 7 trustee for any of these proposed transactions because: For a Constructive Fraud...

Any name you may adopt as your signature IS your legally valid and binding signature. However, if might be a good idea to register it as a...

Well you have a 30 day period from the time of attachment of the account to challenge the propriety of the lien before the creditor can legally...

Pennsylvania law recognizes "easements by necessity" when a property becomes landlocked after a title split. The law presumes a way of necessity is...

A sad story I hear every day. Unfortunately there is nothing to do for you outside of a bankruptcy. Creditor s have every right to collect debts to...

No, not if you can afford to continue to pay the mortgage and retire any arrears during the Chapter 13 plan period. I say 13 because you will be...

This smells like fair debt collection violations and possibly a UDAP issue. They should have had a notice on the statement saying that you didn’t...

You have this wrong. The lender is not basing their decision on your creditworthiness but upon your equity position for a reverse. Hence the good...