If you gave back a car you couldn't afford and they sold it for less than it was worth,can they expect you to pay the balance ??

Yes, that is what is known as a deficiency claim under the note and security agreement that your husband appears to have signed. You may seek to...

I can't afford my private student loan payments is there a way to reduce the amount I am paying per month?

I'm presuming in answering this question that you have no disability; that you did not go to a trade school, a vocational school, or a school that...

As I understand your question, you have a 2nd mortgage which you have not paid, but which you believe was wiped out by your 2007 chapter 7...

What is meant by lien will not attach in the what i read about tenants by entirety? Is the judgement lien validly attached?

Hi: owning the property as tenants by the entireties does not mean that neither of the spouses own the property; rather, it means that of the...

Is co debtor protection available to me?

The attorney you spoke to is correct about there not being a co-debtor stay of any collection action against you on the business loan made to your...

In filing chapter 7 bankruptcy can I get relief from back income tax to the IRS from tax year 2010?

Did you file your 2010 tax return on or before the date it came due to be filed in 2011, with any applicable extensions (and was there no...

Are there any student loan lawyers in New York on avvo?

Some Bankruptcy Lawyers do student loan law. I do, but am not near Middletown. You may wish to look at the lawyers listed at...

Is there a homestead exemption in New York that provides protection from debt creditors?

Yes, you are entitled to exempt a mobile home from debt creditors (other than for nonpayment of real estate taxes or assessments) in New York if...

Can a collection agency call me late at night and what can I do about this?

A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, local time at your...

Please stop taking out cash advances if you're considering filing into bankruptcy. Cash advances are presumptively wiped out (discharged) in your...