There are two issues here. First, this is your second repossession. Under State Law, and the terms of your loan agreement (a lease is still,...

This isn't usually an issue with debt collectors because the laws are so well-settled. My only thought is that this provision of the FDCPA is...

None of your goals are unreasonable, but achieving them will require an in-depth consultation with an experienced bankruptcy attorney. Given the...

Your first step absolutely must be to inform your bankruptcy attorney of all relevant facts before you file for bankruptcy. It is within your best...

So the first issue is that this is likely a debt owed for past-due child support, taxes, or some sort of fine/penalty, because the State of New...

The exact answer to your question will differ from one jurisdiction to another. With this being said, under federal law, the transfer to your...

You might be able to save the house by filing for Bankruptcy under Chapter 13. With that said, you'll have to obtain a loan modification and make...

You can file bankruptcy under Chapter 13 to Modify the interest rate of the vehicle loan. You can also file under Chapter 7 and "Redeem" the...

You need to hire an attorney immediately because you now have to abide by a unique and different set of procedural statutes. If you cannot afford...

First, the SOL for consumer debts is 3 years in New York. Last I checked, a medical bills is not a commercial debt. Accordingly, these bills are...