I took out a payday loan 3 years ago and quickly became overwhelmed . I was not able to pay it back and am now in bankruptcy .

First, threats of this type are nonsense and illegal under the federal Fair Debt Collection Practices Act and Pennsylvania law. You cannot be...

My bank account has frozen due to a judgement against me. There is only $1500.00 in the account, all of which is from my income.

Wages in a bank account are not exempt. As Mr. Rubin noted, you should speak to a local Pennsylvania attorney about your options. It may be...

This type of call is either a scam or a debt collector using egregious and illegal tactics. Under no circumstances should you contact this alleged...

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How much do i have to pay, and will they remove it?

If you have a civil judgment against you, it means that the creditor sued you and received a judgment. Civil judgments in Pennsylvania collect...

If a cash advance is charged off can a collection agency still collect on the cash advance or threaten to take you to court

As the non-Pennsylvania attorneys noted, the fact that a creditor has "charged off" a debt does not discharge your responsibility on the debt. (The...

If I can't afford the balance left over after a repossession, is it best to tell recovery dept or let balance go into collection

My colleague's advice is spot on. I see no benefit to telling the creditor to send the matter to collections. Moreover, you have potential options...

My home is being put up for sheriff sale jan 23 2014 I am unable to pay delinquent taxes what are my options

You have some options, but you should act fairly soon. Depending upon your overall financial situation, you may wish to consider Chapter 13...

Is the creditor for my car lease obligated to give me additional time to pay past due bill once I file Chapter 7 bankruptcy?

If a debtor files under Chapter 7, and the creditor still has possession of the repossessed vehicle, you may be able to retrieve it. (In...

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Property acquired after filing for bankruptcy, including a business entity, is not generally the property of the bankruptcy estate. However, it is...

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We are very close to have our home go into forclosure. What can we do? We were denied a HEMAP loan. What is the next step.

I agree with my Pennsylvania colleague. Chapter 13 is designed for this type of situation and allows a debtor to catch up on back payments over...