Can I file bankruptcy in nj with out my husband if my debt is solely mine..

Yes, you can file bankruptcy without your husband. You should gather together all of your information regarding your income, your husband's income,...

How do I get a copy of my public record or rental history, and what would be the best way to rent with a blemished past?

I believe that the landlord is required to provide you with a written notice when you are rejected for an apartment because of your credit. Many...

I am on a student loan as a co-signer, that I never signed. My step-daughter electronically put my name on the loan.

This sounds like a private loan, since Federal student loans are generally not co-signed. Unfortunately, e-signed loans are more and more common....

What can I do what are my options, how can I reduce these debts they go back as far as 2002 and it sums up to about 11,145.42

You should have a consultation with a bankruptcy attorney to explore bankruptcy as an option.

If you haven't had a decent phone relationship with them, they are unlikely to want to negotiate. However, you can try. They don't have much, if...

Can I file a motion to vacate a civil judgment in New Jersey, that has been paid.If so can I hire a lawyer for this?

Make sure that the warrant of satisfaction has been filed with the clerk of the court. Judgments hit your credit report because they get picked up...

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Does the income of a 19 yr old full time college student I claim as a dependent count as income in a chapter 7 bankruptcy?

If you are in a position to obtain a fee waiver, you may be able to obtain free legal counsel for your bankruptcy. I highly recommend that you do...

Did they break the law?

So long as she was not lying, then a statement like that is generally OK under the FDCPA.

I believe that I may have fallen victim to a debt collection scam.

This company should not be threatening you. It sounds like a scam. They may be violating the Fair Debt Collections Practices Act (FDCPA), but on...

You should check with a bankruptcy attorney about the car accident issue. Regarding the creditors that you forgot to add to your Ch. 7, it *may* be...