Due to cancer my credit is horrible, can I file bankruptcy myself and if I can how?

Most importantly, I am so sorry that you were diagnosed with Cancer. I'm hopeful that your medical treatments have helped you and I wish health and...

Can a collection agency email and voicemail you and threaten to arrest you? And call your employer and references? Plus lawsuit?

This is what New York State has to say about payday loans: "Payday loans are illegal in New York State. It is a violation of New York State law...

The exceptions to discharge are narrow and are reflected under section 523(a) of the Bankruptcy. A debt owed by FEMA does not appear to be an...

Original creditor and debt collector is named in lawsuit on sold debt

I would recommend that you contact a debt/bankruptcy attorney so that you can forward the summons and complaint for review. The plaintiff may be...

I am in debt with credit card companies and ny state taxes. If i make gross 70,000 a year and have 60,000 credit card debt

I believe that under the law once New York State is garnishing the 10 % of your gross, (given the 10% maximum), the credit cards are not lawfully...

How much of my income can be garnished in NY for tax and credit card debt?

1. A creditor can garnish the lessor of: 10% of your gross wages or 25% of your disposable income. If your disposable income is less than thirty...

If I deposit check marked "Final Services Rendered" does that release other party if I say they owe me more money?

You can endorse the check specifically reflecting on the back above your endorsement the words: "under protest" or you can write 'under protest...

What are our options for avoiding Foreclosure?

That's wonderful that your financial situation has improved. 1. If you would like to stay in your home, you can retain a lawyer to respond to...

Statute of Limitations on department store cards

1. If you defaulted on a credit card 4 to 5 years ago, the statute of limitations in New York has not passed. The CPLR and not the UCC...

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Can social security benefits be garnished?

Social Security payments are exempt in New York from collection by creditors. In the meantime, I would recommend that you consult with a...