Archived
If i filed for a bankruptcy and was sucessfully discharged and then had a judgment put against me after the fact am i protected?
Theodore's answer
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Answered on January 09, 2014
Was the debt acquired after the filing of the bankruptcy? Was the bankruptcy pending when you took out the loan (not allowed). Was this creditor...
Archived
I WANT TO FILE CHAPTER 13 AND THE ONLY DEBT I HAVE IS MY MORTGAGE. I AM UNDERWATER ON THE MORTGAGE. I OWE 280,000 VALUE 105,000
Theodore's answer
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Answered on December 10, 2013
The 105k valuation will neither hurt nor help if all you have is a first mortgage. If it is single family and the 280k is what you owe on the...
Archived
Should I get a promise of a collection deletion in writing
Theodore's answer
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Answered on December 09, 2013
Yes. You should always get the release in writing and demand that they also waive the right to report the delinquent debt to your credit report.
Archived
I sold a car. The new owner did not registered it. The car got towed and impounded. Am I still liable for the car?
Theodore's answer
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Answered on December 09, 2013
Did you leave plates on the car? Is the caar still registered in your name? Is your name still on the title or did the new purchaser change the...
Archived
Are banks allowed to change a monthly payment amount on a line of credit ?
Theodore's answer
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Answered on November 24, 2013
What do the documents state? They would control.
Archived
Can a $250,000.00 personal mortgage with a true interest of 18% be protected by the nys usury law?
Theodore's answer
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Answered on November 20, 2013
Your rights on appeal will depend on the defenses you asserted at trial. Speak to your attorney, and if you did not have one get one to review...
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Archived
What is the assessment lien filing deadline in NY State?
Theodore's answer
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Answered on November 20, 2013
Once the lien (debt) is created a UCC lien can be filed. Is this the question? What are you asking?
Archived
Can an attorney take all my money out my account without notifying me? This regards student loans.
Theodore's answer
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Answered on November 20, 2013
Taking the money from a bank account will not depend on the tyoe of debt. The "attorney" needs a judgment. If they are threatening youbut have...
Archived
Can my Lawyer garnish my wife's wages while i'm in prison?
Theodore's answer
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Answered on November 20, 2013
It is rare for an attorney to sue you and rarer still for them to impose a wage garnishment on someone who is not the client. Have to review the...
Archived
A debt collection agency is trying to collect on a debt incurred by someone else who has the same name as me.
Theodore's answer
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Answered on November 20, 2013
Unfortunately anumber of district attorney offices use debt ciollectors and allow them to use the DA's letterhead. If this is the case these debt...
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