Archived
If you offer a company a lesser amount than you owe, as a 'settlement', and they cash the accompanying check, is it settled?
Theodore's answer
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Answered on May 26, 2010
Unless you have a mutual agreement that the check will settle the debt then they can cash it and they can continue to collect the remainder of the...
Archived
Can collection agency ruin my credit score?
Theodore's answer
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Answered on May 26, 2010
If the debt is reported to your credit score it will negatively affect your score, but I cannot say it will ruin you. Why take the chance for...
Archived
Can I add unpaid employee wages on my personal bankruptcy?
Theodore's answer
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Answered on May 26, 2010
Some of the wage debt may be non-dischargeable and may survive the bankruptcy. You need to talk to someone locally right away to determine what...
Archived
I have a question regarding section 524 for my mortgage
Theodore's answer
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Answered on May 26, 2010
The mortgage is a lien of the property and tyhat has not been affected. Your obligation under the note was discharged and not reaffirmed so they...
Archived
Can I add family loans to my bankruptcy?
Theodore's answer
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Answered on May 26, 2010
Add the debt as there is no reason not to add the debt and you may have some form of liability of which you are not yet aware.
When you get...
Archived
Are the funds placed directly in a non-qualified structured settlement (annuity) safe from creditors?
Theodore's answer
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Answered on May 26, 2010
The answer to this question will depend on the election of Texas or Federal law for the exemptions. if you choose Texas law Retirement plans;...
Archived
Do I need an attorney to ask a bank for a settlement due to several issues? Dont' know if this matters but I am disabled.
Theodore's answer
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Answered on May 26, 2010
When deciding if you should sue someone there are two essential requirements. First, did the person who you think violated your rights have a duty...
Archived
I was got married and found out the that my husband has a ton of debt. Can his debt affect me even though he had it before me?
Theodore's answer
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Answered on May 26, 2010
To be on the safe side you may want to include certian debt like medical debt even though you were not originally liable for the debt.
When you...
Archived
I have multiple pay day loans...One started at 400.00 but now they tell me with fees it is over 2000.00 am Iiable for fees too
Theodore's answer
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Answered on May 26, 2010
There is a contract that you signed when you took the payday loan. You should consult with an attorney locally because there are a number of...
Archived
Do think judge will rule in my favor in summary judgement on mechanics lien issue - $33k in the balance
Theodore's answer
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Answered on May 26, 2010
You could very well win the motion, especially if the other side does not contest the relief. however, any question of fact that they can raise...
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