Questions answered by Theodore Lyons Araujo

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Debt settlement - what does it do to your credit rating and for how long

Theodore's answer | Answered on August 13, 2010

Debt settlement is a terrible option and ost of those companies will disappear soon after this october because the FTC is making it illegal to...

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If state taxes were filed in a bankruptcy and it was discharged can the state still seek payment?

Theodore's answer | Answered on August 13, 2010

The taxes were not discharged. Income Taxes are (possibly) dischargeable in bankruptcy if they are for taxes that became due for tax years...

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My mother owes personal loan to a company, she can no longer make the payment. what could be garnished. she get social security.

Theodore's answer | Answered on August 13, 2010

Texas Wage Garnishment Wages cannot be attached or garnished, except for child support. Income that is not a wage can be garnished or...

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In a Chapter 7 or 11 Court Judgments

Theodore's answer | Answered on August 13, 2010

In a 7 yes. In a 13 yes. Why ask about an 11 (that is for corprotions). There are other issues that involve judgments and you need to have an...

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Chapter 7 Withdrawal

Theodore's answer | Answered on August 13, 2010

Very unlikely that you can withdraw a chapter 7. Talk to your attorney. You do not have to wait 6 months to file again from the date your case is...

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Do I need to file bankruptsy? or let mortgage company forclose on my house

Theodore's answer | Answered on August 13, 2010

Now that you are employed you may seek a mortgage modification. You can file a chapter 13 and get five years to pay off the mortgage arrears at...

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Am I entitled to the get the difference of the amount back on a garnishment that I agreed to make weekly payments on?

Theodore's answer | Answered on August 13, 2010

Never give collection people the account information for your bank accounts. You should cancel thoe accounts and open new accounts in a different...

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In chapter 7 means test. Can I claim I am a household of 2? My daughter is with me on weekends, etc.; It would go a long way.

Theodore's answer | Answered on August 13, 2010

If you are an above median income household you should not be doing the means test without an attorney. If you provide more then half of the...

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Is there a time limit payday lenders and credit unions have to file judgments in Utah against a person that owes the money?

Theodore's answer | Answered on August 12, 2010

Some information about Utah: WAGE GARNISHMENT EXEMPTION: $142.50 of disposable weekly earnings MAXIMUM INTEREST RATE: Legal: 7.35%...

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Can I foreclosure when having a second mortgage after bankruptcy?

Theodore's answer | Answered on August 12, 2010

If you did not reaffirm the debt you are not liable for the note. They caannot come after you if you stop making payments and the bank forecloses....

Theodore Lyons Araujo's Answers (8812)

Debt settlement - what does it do to your credit rating and for how long

If state taxes were filed in a bankruptcy and it was discharged can the state still seek payment?

My mother owes personal loan to a company, she can no longer make the payment. what could be garnished. she get social security.

In a Chapter 7 or 11 Court Judgments

Chapter 7 Withdrawal

Do I need to file bankruptsy? or let mortgage company forclose on my house

Am I entitled to the get the difference of the amount back on a garnishment that I agreed to make weekly payments on?

In chapter 7 means test. Can I claim I am a household of 2? My daughter is with me on weekends, etc.; It would go a long way.

Is there a time limit payday lenders and credit unions have to file judgments in Utah against a person that owes the money?

Can I foreclosure when having a second mortgage after bankruptcy?