I cashed in my 401K to pay off debt but did not pay the IRS fee or tax. Will declaring bankruptcy help with those fees & taxes?

This may best be answered under tax law. You might want to get the liability to no more than $50,000. Then do an installment payment over 72...

How to enforce the Fair Debt Collections Act on a debt collector?

Seems like you have the following violations: 15 USC 1692c(a)(2); 15 USC 1692c(a)(3); 15 USC 1692c(c); 15 USC 1692d - multiple sub parts....

Would I benefit from filing bankruptcy?

If you take Alan's advice, which is dead on accurate, you better move quickly. Once your vehicle is sold to a bona fide purchaser for value, you...

If you owe a lot in credit card debt and know you have to be on disability do you have to file 13 or can they take action on you

In New Jersey, disability is exempt from garnishment. But you need to check your Arkansas exemption statute. I would go to l local bankruptcy...

Our bankruptcy attorney didn't file a reaffirmation for our mortgage lender. The attorney has been disbarred, now what?

As a further response to Alan's excellent post, 11USC 362(h) merely requires a chapter 7 debtor to reaffirm personal property to keep it. There is...

Bankruptcy - is Bankruptcy discrimination regarding hiring by private employers allowed in New York City?

11 USC 525(b) provides that a private employer cannot terminate or discriminate against you. Notice that I said "private employer". A government...

My only income is SS, and a state pension. I am 66 and live in NJ.Is my income subject to garnishment? Should I file for Ch 7?

You may qualify under IRS guidelines to have your taxes classified under CNC status, meaning currently non-collectible. This means that although...

I consigned a student loan because someone else couldn't. The loan is delinquent and she's now getting married.

Student loans are dischargeable in bankruptcy under limited circumstances. In New Jersey, bankruptcy courts follow In re Faish. This case holds...

To discharge a student loan, you must first file an adversary proceeding, which is a lawsuit within the bankruptcy court. Your attorney should have...

Can a collections lien be placed on a permanent disability payment?

If your bank account gets levied, you are allowed to exempt the first $1,000.00 in your bank account. You would go to the Superior Court of your...