Credit card

I do not think that will be used as a fraud indicator. When people overstate their income by tens of thousands of dollars on mortgage applications...

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Garnish collections

Not unless you signed a confession of judgment. There has to be a judgment to enforce a garnishment unless you allowed it to be done pursuant to a...

Is my IRA account protected from creditors while I decide not to file for bancruptcy now??? I have about $20,000 on IRA

Yes. the only people that can go after the IRA is the IRS.

I can not afford the payments on my bankruptcy plan. How can I change the plan?

The two most common changes are to modify the payment (if you can) and to convert the case to chapter 7 and get a discharge early. There are facts...

Chapter 13 filing and taking out a 401k loan

Do not take out the loan without talking to your attorney first. Many jurisdictions count it as income and many jurisdictions will not let you...

Being sued for CC debt

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...

How do i get off the lease my husband and i both signed?

You cannot get off thelease unless the creditor releases you or there is some reason that you can state that makes it impossible for the entity...

Do i have to pay when it not my fault?

Your defense to the landlord seeking rent is that the place was so bad that no one could live there. In most instances you have to move out in...

Can my boyfriend's debtors go after a house we co-own if he files for bankruptcy if I own all the equity in it?

There is no homestead exemption in New Jersey so your boyfriend would have to elect the Federal Exemptions. This is a very perilous situation. ...

Final summary judgement of foreclosure

The bank can use the filed judgment to conduct the foreclosure sale. they do not need another judgment, however they do have to renotice the sale...