What should I do if a collector is suing me for a debt that I recognize but I cannot pay it?

No there are no debtor's prisons. However, to answer your question directly, you should answer any legal papers that you have received. Failing...

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Personal bankruptcy vs business

Attorney Harkness' answer is very thorough and presents the unfortunate limitation of options that you now have. I would only add two...

Do i need a real estate attorney?

The post raises a myriad of issues, yes by all means have an attorney sort through all of this. The thing that sticks in my mind is your...

My wifes divorce attorney will not speak to me on the phone and say's he will only respond by mail.

Even if you are pro se, without representation, the attorney is in a very difficult position speaking over the phone. Undocumented oral...

Is this a fair offer for settlement?

That is a classic "lowball" do not even think about it. An exact down to the penny answer can not be given without reviewing all of the facts in...

Can my employer put a GPS device on my company car that I pay a usage fee for and am allowed to use for personal use?

If the company's name is on the title to the car, they can put a GPS on their car. This answer is offered for informational purposes only. It...

Recieving bills after my chapter 7 discharge

If the company's address was correctly indicated on your creditor's matrix, then they were on notice of the bankruptcy and they have violated your...

Is it possible for me to file for a chapter 7 and while that is pending file for a 13 to lien stip my 2nd and 3rd mortgage.

No. You must wait until after the chapter 7 case goes to discharge and is then closed. In my jurisdictions you can file a "chapter 20" which is...

Do not file the new 7 for at least 180 days after the dismissal ot the 13. And yes, if you want a discharge from the second 7, you must wait 8...

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Do I have to include a student loan in a chapter 13 if I am still in school and it is not time to pay it off yet?

Yes, you schedule the student loans on Schedule F, even though they are in a category of their own, and you indicate that payments do not commence...