If the garnishee does not respond to my second writ (although it was received by them) may I contact them personally?

I agree with the answer above, and can only add that collection procedures vary state-by-state. In New Jersey you can file a motion to enforce...

Your property settlement agreement in no way binds the auto lender, so the auto lender retains its rights vs you if she defaults on the car loan. ...

I have lost my home because of the alimonybpayments I have to make. Is there any laws that could help me?

Unfortunately alimony is nondischargeable in bankruptcy. However, there may be a way to reduce your support obligation. In New Jersey, if the...

Our mortgage is 'underwater'. We have a 1st & 2nd mortgage and wish to explore extinguishing the 2nd mortgage. Can we do this?

Whether you complete your Chapter 13 plan in 3 or 5 years will depend on your income and household size. Chapter 13 is powerful, in that you may...

Is it really over when a person files a chapter 7?

Is it "over?" I would say life is just beginning, anew! Filing bankruptcy when you are in over your head is the most responsible thing you can...

Chapter 7, can I claim my house exempt?

There is much good information in the answers above. I would just like to add that it is essential that you find out the nature of your interest...

Do I need an attorney since My Bankruptcy has been discharged?

I am sorry to hear of your troubles. I agree with the above answer, and would like to add the following: if you are interested in keeping the...

I got a debt collection letter from a collection agency for a debt that was is mine due to possible ID theft?

It sounds as if you are doing everything you can regarding this particular debt, however, the bigger concern is how the purchaser of the trial...

I had a chapter 7 Bankruptcy discharged in 2003, how long will it be on my credit report?

I agree with the answer given. In addition to this information, I always tell my clients that, with regard to credit reports, good recent...

How to deal with a company that is billing me for services I did not authorize nor requested?

I don't know what sort of paperwork you've received from this firm to date, but I imagine you may have received a demand letter with the FDCPA...