Questions answered by Theodore Lyons Araujo

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Any recourse to avoid paying the entire balance of deliquent account?

Theodore's answer | Answered on March 31, 2011

The first thing you need to do if and when you get sued is file an Answer. The summons will tell you that you must “appear” by way of an Answer in...

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My last CC activity was 7 months ago, and I just stop paying my credit cards last month. Should I file now or wait?

Theodore's answer | Answered on March 31, 2011

I would wait more then a year from the last cash advance and you should not use any credit cards or lines of credit from now until you file.

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I have filed an exemption after the creditor cleared my bank account. I go back to court next week. What should I tell the judge

Theodore's answer | Answered on March 31, 2011

If the bank account is no longer frozen and the head of household exemption is in place why are you going back to court?

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I have medical debt in my name from the unexpected birth of our son. can they garnish my husband wages for my debt?

Theodore's answer | Answered on March 31, 2011

Your husband can be liable for the bills on two counts. 1) is he your husband? 2) is he the father. If the answer to either of these questions...

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Filed Bk chapter 7 but forgot to include certin creditors. Can the ones I didn't include try to collect?

Theodore's answer | Answered on March 31, 2011

If you did not reaffirm the debt (surrendering the home) they cannot collect. You should amend the schedules and include thm before the case...

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Nolle Prosequi Charge & Protective Order "Invalidated"--Can I Sue for Malicious Prosecution?

Theodore's answer | Answered on March 31, 2011

You pled guilty so it is likely you waived any suit or cannot prove any damages even if there was a viable cause of action. When deciding if you...

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If two executeers are assigned who is the primary executive or do both required to make final decisions

Theodore's answer | Answered on March 31, 2011

You should both go see an estate attorney because you may be liable for the debts of the estate if you try and secret property.

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State witnesses for trial

Theodore's answer | Answered on March 31, 2011

There is no such thing as a "poor mans" docket. You filed pro se...which means without an attorney. People who represent themselves take up a...

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What rights do i have as a tenant in tax foreclosure.Been living here for 10 years,landlord MIA for last 4 yrs.Can pay taxes to

Theodore's answer | Answered on March 31, 2011

Buy it at the tax sale.

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When I filed for BK Ch. 7 none of my credit card accounts were charged off, can the creditors report it as a charged off after?

Theodore's answer | Answered on March 31, 2011

Credit reports are a confusing jumble. The credit reporting agencies are responsible for making sure your rights are protected, but they don't do...

Theodore Lyons Araujo's Answers (8812)

Any recourse to avoid paying the entire balance of deliquent account?

My last CC activity was 7 months ago, and I just stop paying my credit cards last month. Should I file now or wait?

I have filed an exemption after the creditor cleared my bank account. I go back to court next week. What should I tell the judge

I have medical debt in my name from the unexpected birth of our son. can they garnish my husband wages for my debt?

Filed Bk chapter 7 but forgot to include certin creditors. Can the ones I didn't include try to collect?

Nolle Prosequi Charge & Protective Order "Invalidated"--Can I Sue for Malicious Prosecution?

If two executeers are assigned who is the primary executive or do both required to make final decisions

State witnesses for trial

What rights do i have as a tenant in tax foreclosure.Been living here for 10 years,landlord MIA for last 4 yrs.Can pay taxes to

When I filed for BK Ch. 7 none of my credit card accounts were charged off, can the creditors report it as a charged off after?