I will be losing my job soon. Im a widow, only sole support. Owe 65,000 includes mortgage, car payment and 3 credit cards.

When you file Bankruptcy you create a financial estate. That estate is “administered” by a Trustee. There are very different paths to the same...

Debt Collection Question: I was served a year ago for collection, followed procedure and responded. Since I never applied for a

When you find out that a judgment has been entered against you, normally by discovering that your wages are being garnished or the bank account has...

What is best defense to state in an answer to a summons, paid well more than amounts charged or plaintiff address is not correct

Payment is a great defense in and of itself! The first thing you need to do if and when you get sued is file an Answer. The summons will tell...

Can judgements against me in PA and NJ (remote, about 10 yrs ago during a divorce, but still active) be garnished from my wages

Yes, if they were renewed in the original state and filed in Florida.

Is a doctor's billing service subject to the FDCPA, or is that only for businesses that are licensed collections agencies?

The FDCPA applies to third parties who collect on behalf of others. The type of debt is not relevant.

Is it legal for a creditor to return payments you send in toward a debt that is past due, reffering you to a collection agency?

Yes. They can reject the payments and end the matter out for collection.

I signed a contract for 14000$ acceptance out of 40000$ because it was misrepresented, saying it was all he could do. after that

You will hve to be a little more specific about the transaction as i cannot figure out what happened.

If I took out cash advances from a business cards that is personally guranteed by me, can I still file personal chapter 7 on it?

I would probably wait a year since the last withdrawal or transfer of more then $1,000.00 and I would not use the credit cards for at least a...

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I have a no asset business, just my svc,phone, & computer. Must I shut down my bus.for filing ch.7 on my per.guarnteed bus.cards

If the business is a d/b/a you may not use the name, number or assets after the chapter 7 is filed. If the business is incorprated it can continue.

The shares that your partner owns become part of his bankruptcy. He has to report the value of the shares based on the value of the company. ...