If you cannot get a lawyer right away, file an Answer! The first thing you need to do if and when you get sued is file an Answer. The summons...

What reasons may a creditor be able to take wage garnishments from your paycheck?

The creditor must sue you and get a judgment before they can freeze bank accounts or garnish wages. The first thing you need to do if and when...

Can an unsecured Wells Fargo Fin Svc loan be included in Chapter 7 bankruptcy?

Yes. All debts must be included in any bankruptcy. Chapter 7 permits the debtor to get rid of all of their unsecured debt without having to...

Can creditors come after me for debt that my ex-husband & I had?

Yes. The divorce agreement, decree or judgment supposedly settled the rights and obligations between you and the former spouse. However, it...

When a creditor sends a collection to an attorney what is the next step?

The lawyer sends collection letters and then they sue! The first thing you need to do if and when you get sued is file an Answer. The summons...

Yes. Substituted service...and law suits are part of the public reccord. The first thing you need to do if and when you get sued is file an...

I filed a Chapter 13 with the court. Does the automatic stay for unsecured debt start with the filing date?

Take a look at my guide Protecting Your Rights After You File Bankruptcy published here. You should contact your attorney to stop the harassment. ...

I am considering filling bankruptcy due to unemployment but I want to keep my house. Can I file Chapter 13?

You need to consult with a local attorney to determine what the equity is in your house and what equity is protected by a homestead exemption in...

Can socialsecurity be garnishe for un pai credit cards

No. But that does not meaan that the account can't be frozen until you prove that there is nothing in it but SS money.

How long until discharge in Chapter 7?

It is likely that the attorney filed a letter asking that the discharge be delayed until the reaffirmation agreements have been approved. You...