Douglas Beaton's Answers (185)

Archived

Is Equifax source used by courts for creditor verification?

Douglas's answer | Answered on March 05, 2010

Its maddening how credit reports from different agencies never match. Makes you wonder about the accuracy of the whole enterprise, doesn't...

Archived

In a Chapter 7 Bankruptcy how much is the Wildcard. and if you only have one vehicle w/net value of $3300 can it be used too?

Douglas's answer | Answered on March 05, 2010

Good news -- the federal exemption for an automobile is going up to $3,400 on April 1st. If you can wait to file until then, you could declare the...

Archived

Can collection agency recover past rent on 4 year old lease?

Douglas's answer | Answered on March 01, 2010

A lease is a contract, and most likely the Arizona statute of limitations would not be violated after just four years, so the collection agency is...

Archived

Would a broken lease on an apartment fall under a bankruptcy laws in Alabama?

Douglas's answer | Answered on March 01, 2010

Yes -- as a matter of fact, the money owed under the lease should be declared on your bankruptcy forms, first to ensure that they are complete when...

Archived

I am filing bankruptcy pro se tomorrow. Last year I needed emergency cash and took out a title loan.

Douglas's answer | Answered on March 01, 2010

First, you are never required to reaffirm a loan; you may choose to do so, and this may even be a wise choice in certain circumstances, but you...

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