When you are counting "30 days" as in you have 30 days to file an appeal, do you include the day you found out the decision

Attorney Hochhalter's answer is spot on and complete. A late NOA is indeed DOA.

Joint bank accounts

Your joint account holder should be liable for your debt only to the extent of the moneys in the joint account, assuming the joint account holder...

Can a good contract between two individuals substitute for need to create a corporation (excluding tax issues)?

You are basically proposing to enter into a partnership with someone with whom you don't want to own a corporation. General partners are legally...

Should I pay taxes on good faith payments to me?

Return of principal is not taxable income. Interest paid is taxable income.

How bad it will affect my credit? What are my options?

Apparently the loan still remains in your name and, accordingly, you remain legally obligated to repay the debt. The delinquencies are recorded...

Private student loans are subject to statutes of limitation. Federal student loans, however, have not been subject to statutes of limitation for...

Yes, you can sue. Sue in small claims court if the value of your automobile is less than the small claims court limit. If the damages exceed the...

I don't know what to do. Should I call the collector and try to make payment plan or take my chances I court?

You might want to give some thought to filing for bankruptcy. Whether bankruptcy is right for you depends on a host of factors best considered in...

Can a creditor levy a personal and or joint bank accounts when a judgment for wage garnishment is already being implemented

In all likelihood, yes, but you owe it to yourself to consult with New Jersey counsel to determine whether you can claim any exemptions.

Should I purchase a home where the owner of the home is in Bankruptcy Chapter 13

Assuming the Bankruptcy Court enters an order approving the sale, there will be no adverse consequence to you.