- can a creditor (collection ) garnish SS and NJ pension income

No. Social Security and Pension income are protected from garnishment.

I need help with the possibility of bankrupsy. After my divorce left my with nothing. I built up a terrible amount of debt.

There are many issues to consider in a bankruptcy filing. I strongly encourage you to find a local attorney and set up a consolation. At least the...

Mom passed on leaving a huge debt to hospital and doc. for care. Dads ins was primary and medicare 2nd ins. Is he responsible?

Definitely have him consult with a local attorney as soon as possible. If these were/are debts incurred before he filed his bankruptcy petition,...

Will i still be responsible for a collection agency debt, if the company did not bill my insurance until 6/26/13?

You have no obligation to pay. It sounds like your insurance company has accepted responsibility, as they should. Once they make the payment you...

Do I have to pay off the credit card debt owed by the deceased?

My colleagues are spot on: If it is not your debt, you are not obligated to pay for it from the life insurance proceeds.

Last year while in a bi-polar episode attended a human rights mediation without a lawyer; advised mediator I could not go into

You need to consult a local employment law attorney, not a mediator. I emphasize local because employment law varies by state and what advice you...

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Can I use my 401K to pay off my bankruptcy 13 that has two (2) years left?

I generally advise against depleting your 401k, especially in a case where it sounds like you will not be able to save your house anyway. Perhaps...

Is the pay card with the same bank that you are currently using and have the account that they are aware of? If so, you will not be able to put...

I have a $5,000 debt from a credit card closed in 2008, it's been turned over to a lawyer that has filed a civil case against me

If this $5,000 obligation is your only debt and you really have no assets, other than your car that seems like it is not worth much and presumably...

Chapter 7 Means Test

At last.. a simple question with a simple legal answer ... NO. Of course, there is a lot more to consider when trying to determine if a...