The Statute of Limitations has likely run out on this debt, and I doubt that you have committed any crime. Threatening criminal prosecution is a...

Do I have to continue to pay a loan payment on a joint loan account but I am filing chapter 7 bankruptcy?

If you have a dischargeable joint debt with a non-filing spouse, the debt will be discharged as to you but not the spouse. In other words, you will...

You must list all debts, including mortgages when you file for bankruptcy, as my Pennsylvania colleague mentioned. While you are in bankruptcy, you...

In theory, the lender should file the 1099-C for the same tax year that the debt was forgiven and provide it to you by January 31. In practice,...

LVNV is a bad debt buyer that often files lawsuits, even in relatively small cases. However, many of the debts purchased by such bad debt buyers...

You are not required to provide any information whatsoever to debt collectors or creditors who call you. You need not even give them your name. In...

For the most part, Pennsylvania unemployment overpayments are dischargeable in bankruptcy unless they were the result of fraud (e.g., intentionally...

How can I effectively "clean up" the title of my home? My wife had credit cards that she didn't pay, companies put lien on home.

The Pennsylvania Statute of Limitations on most consumer debts, including credit card debt, is four years. However, once a creditor has a judgment,...

Can car loan garnish my wages for a repossession my car

I agree with my colleagues. Assuming you work for a Pennsylvania business, there is no wage garnishment for this type of debt. Moreover, if a debt...

What should I do about my chapter 13 bankruptcy that I filed with my husband 3 years ago when he passed away unexpectedly?

I am very sorry for your loss. You need to sit down with your bankruptcy attorney right away to discuss your options. I would not assume that you...