Court hearing for a judgment regarding delinquent credit card bill

You have a lot of questions and I'll take a stab at them best as I can. Not showing up in court is the worst of all options. It is likely that...

We are with a debt settlement company.

I recommend that you call each of your credit card companies and ask for a present balance and a statement reflecting all payments made since you...

Can I convert from a ch 13 to a ch 7 and include my previously estranged husbands debt?

Yes, you CAN convert over to a chapter 7. But, in that this is an irreversible step you need to look at the entire picture carefully. It seems...

You generally have to sit for a given waiting period before they have you perform the breath test. This period in part allows for the alcohol to...

Secured or unsecured?

Unsecured. Sears used to argue that if you bought an appliance from them they had a security interest in the thing. They didn't do well in their...

Do I as a business owner have to give back properity of someone filing chapter 13

If you have a valid lien on the cycle and if the court has ordered payment then you are within your rights to hold the cycle until he pays the debt...

Live in NJ, Client in MA - How do I sue in small claims court?

In your contract with the client did you indicate that they would consent to the jurisdiction of the New Jersey Court? Did your client sign the...

How can I get my ex off note (to the mortgage co) and off the Deed of Trust? She filed bankruptcy after divorce & I kept house.

Your facts are inconsistent, and I'm only pointing this out because I want to help and I see no one else has chimed in to help. On the one hand...

I need to know my rights concerning a failure of my debt counselor to contact one of my creditors.

At this point, I would call each and every one of your creditors as they existed 2 years ago when you retained the credit counselor and request an...

Wall Street Journal article indicating federal income can be seized for federal debt, please advise

I read the Journal regularly but missed that article. I can tell you that social security and VA income is exempt from garnishment. This...