Archived
Im 31 and live in NJ. My savings account was just garnished for a ER visit in 1996 when i was 16 am i responsible for the debt.
Theodore's answer
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Answered on October 18, 2011
You and your parents were all liable for these charges. They could not collect against you until you reached the age of majority.
When you find...
Archived
Legal interest rate that can be charged in AR for a credit card judgement against me
Theodore's answer
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Answered on October 18, 2011
MAXIMUM INTEREST RATE
Legal: 6% or 5 points above the federal discount rate
Judgment: Contract rate or 10% per annum,...
Archived
I will soon be filing for Chapter 7 in Florida. I was reading in the Florida Statute 222.11 about garnishment of wages.
Theodore's answer
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Answered on October 18, 2011
The State of Florida exempts the property below from liquidation by the bankruptcy court to pay creditors:
Real Estate: Real property...
Archived
Can the same collection agency report you to the credit bureau twice?
Theodore's answer
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Answered on October 18, 2011
It is very difficult to stop this permanenetly once the mistaken entry is made. You can try and set up a cae under the Fair Credit Reporting Act...
Archived
Verizon claiming billing error
Theodore's answer
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Answered on October 18, 2011
I have had Verizon at my office for two years and they have not gottent the bill right yet. Unless they owed you refund the promise or statement...
Archived
If i am in a active bankruptcy and the mortage payment is behind can they still foreclose on the house?
Theodore's answer
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Answered on October 18, 2011
The bank cannot foreclose unless they first bring a motion to lift the automatic stay (your protection). If that happens they routinely give you...
Archived
Can CA HOA file bankruptcy to avoid $283,000 attorney fee award from unsuccessful lawsuit filed by HOA against a homeowner?
Theodore's answer
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Answered on October 18, 2011
The corporation cannot get a discharge in bankruptcy. Very likely the homeowners could not get out from the judgment because they are liable as...
Archived
Chap 7 discharged Jan 2010....cars and house included in error
Theodore's answer
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Answered on October 18, 2011
Contact your bankruptcy attorney to determine if the loans were reaaffirmed. If they were not then you will have no liability. These loans and...
Archived
Can I reopen a chapter 13 case that I recently canceled about 2 months ago and what do I have to do
Theodore's answer
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Answered on October 16, 2011
You may want tof ile a new case because of the change of circumstances and the arrears that you will have to make up in the old, now dismissed case.
Archived
Can I be sued for breach of oral contract?
Theodore's answer
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Answered on October 16, 2011
Tell them right away that you are not going to play so they do not suffer damages as a result of relying on your statement. Generally in order to...
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