Can a colection agency call my phone before 8 am and more than twice a day. ? called 3 times day /at 7;55 am

It would appear that those items violate Federal Law, Fair Debt Collection Practices Act. As answered by the prior attorney, calls before 8 AM...

My loan modification package was sent to the wrong state, now they will not send me a new package. What can I do about this?

The reason why you hire an attorney is to protect you from just these issues. An attorney may not be able to shield you from all the bank errors,...

At what point of foreclosure in NJ does the court start taping notices to your door?

Your question cannot be answered accurately without more information. There are many reasons that notices might be posted before or after a...

How does NJ handle child support income, specifically arrears, in Chapter 7 bankruptcy?

Your income from child support should be listed in the Petition. That should be the income you actually receive v. what would be due to you under...

Bankruptcy complete chapter 13

If you completed a Chapter 13 Plan in which you proposed to address your mortgage "outside the Plan" and not affect their secured claim, you may be...

Financial

That would depend on the nature of the request. I assume you have an attorney and if not, and you are in a discovery phase of a divorce, you...

I just got a letter ,,from a collection agency,,,that they put a lien on my property,,,all i have is a 5th wheel that i live in

There would have to have been a suit of some kind for the collection agency to "put a lien". Many of these letters are scare tactics but hard to...

You cannot have more than the statutory allowed deductions (10% of gross pay). If there are 2 pending garnishments, the first will be paid in...

What are the ramifications of giving rental property back to the bank?

To "give the property back" to the bank, you generally are looking at a deed in lieu of foreclosure. First, it is never clear whether the bank...

I have a judgment against me and the title company says that I need a 522F even though I did/do not own any property.

The answer is dependent on the laws of your state but a title company, which controls the manner in which you will be offered title insurance on a...