You have to file a lawsuit and get a judgment. You then have to perfect the judgment by recording it in the lien index. My state, NJ, has a...

Behind on Car Payment post bankruptcy.

Hopefully your lawyer was able to talk some sense into this creditor. What you must do is avoid repossession. Once that happens, it will create...

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MY HUSBAND AND I BOTH HAVE CREDIT CARDS AND BOTH ARE IN OUR OWN NAME

You need to obtain copies of the original account sign-ups to confirm which of you are considered the responsible 'bill to' party. For example,...

Defining "Principal" Residence in NJ When Selling a Home

Yes, it will. Not sure what advantage, if any, remains to your continuing to maintain ownership of a home that you don't appear to be living in....

Wife and I got approved for a modification, new rate, lower payments, during the modifcation process we have decided to

Treat your wife as if she were a stranger. Send her the new loan agreement with a cover letter confirming what the agreement represents, why it is...

If I am buying a home and I ask the seller for a credit for thing to be done around the home. When do I recieve the credit?

The credit needs to be confirmed in writings exchanged by both parties. This is typically done between the attorneys representing both parties -...

Co-signer on auto loans passed away, can the bank take my cars?

Sorry for your loss. How would the lender ever find out that your father passed away? There is no notice that automatically goes out to...

How can you dispute a debt before it goes into collections?

1) Yes 2) Yes. Preponderance of the evidence is the standard in most civil contract matters. 3) The 3 major credit reporting bureaus allow for...

My house is up for sale tomorrow. can I file bankruptcy emergency and stop the sale

Yes. You can file a short form petition - the first 2 pages with a creditor list. You need to apply for credit counseling as a condition...

Forced to file Chapter 7 what happens to my house will it go into a foreclosure they won't even talk to me now.

Here's what I recommend. Live 'rent free' for as a long as possible. It will take the bank 2 years to complete a foreclosure. That's 2 years of...