Archived
I disputed a debt with a collection agency that is not mine and they reported it to the credit agencies anyway.
Theodore's answer
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Answered on January 12, 2011
You should contact an attorney who practices in the Fair Credit Reporting Act area. The laws are very complicated, but the prior attorney is...
Archived
Is it good to use online service for bankruptcy filing in CA?
Theodore's answer
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Answered on January 12, 2011
Be careful. If you own any property at all like a car or house you could end up hurting yourself. In my experience by the time you get through...
Archived
Currently I was under the impression with my attorney that I could file a Chapter 7 Bankruptcy now shes saying I have to file 13
Theodore's answer
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Answered on January 12, 2011
You can surrender or keep your property. The decision to file a 13 or a 7 is based on three issues: 1) income versus allowable expenses; 2)...
Archived
My mom wants to file for bankruptcy, however i cosigned on a car for her. When she turns in the car how will i be affected?
Theodore's answer
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Answered on January 12, 2011
You still owe the amount of the car loan. The car will be surrendered and they will sell it at auction. If the note is not paid off they will...
In Georgia, how common are deficiency judgments in a non bankruptcy situation ?
Theodore's answer
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Answered on January 11, 2011
Here are some Quick Facts about foreclosure in GA: http://www.foreclosurelaw.org/
Judicial Foreclosure Available: Yes
Non-Judicial...
Archived
A creditor sent me a civil summons to court, they included an item labeled exhibitA. Should I in my answer to letter, ask the ju
Theodore's answer
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Answered on January 11, 2011
The debt was charged off on your credit report by the original lender but sold to the people who are suing you. This is not a defense.
The...
Archived
My mortgage was discharged in a bankruptcy 3 years ago but kept paying on it.If I miss a payment can they report it to my credit
Theodore's answer
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Answered on January 11, 2011
The note was discharged but the mortgage was unaffected by your bankruptcy. That is why the first mortgge will foreclose. You should take a look...
Archived
I filed a chapter7 BK in '09. I just received a collection letter from an agency but the bill was included in the BK. Do I reply
Theodore's answer
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Answered on January 11, 2011
You filed Bankruptcy to get rid of debt and gain a "Fresh Start" but the creditors won't leave you alone even though you told them you filed! Here...
Archived
What kind of lien should i get? i am renting to buy a house (18,000.00) i owe (10,500.00) on the house the owner found out that
Theodore's answer
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Answered on January 11, 2011
You cannot place a lien on a property unless you have a judgment. Do you anticipate a mechanics lien because of the work you did? I agree with the...
Archived
Do I have a case if my ex purposely held onto a foreclosed house
Theodore's answer
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Answered on January 11, 2011
Probably not. Perhaps she could not sell it? Perhaps you should have listed it rather then sign a quit claim deed. Doing that did not take you...
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