My mother is on social security can a debt collector put a lien on her property in PA.

I agree 100 % with my Pennsylvania colleague. Under no circumstance should a consumer give a debt collector account information. Note that a debt...

IRS taxes for back payments

In order to discharge income tax in bankruptcy you must meet the requirements of the "3-2-240 rule." Under this rule, taxes are dischargeable if...

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Husband & I advised to file Ch 7 Bankrptcy. We want to divorce. How will this impact our credit rating. Right now it is 742.

Fortunately, bankruptcy does not generally prevent students from obtaining federal student loans. However, bankruptcy will have an impact on your...

Does a settlement have to be offered to me or can my attorney do something to try to settle the case???

An attorney can make an offer to the creditor, or you can do so on your own. However, you may find that an experienced debt attorney can obtain a...

Can prepaid credit cards increase your credit score? What is the best and easiest way to improve credit

Prepaid credit cards do not affect your credit score. When it comes to credit scores, time is your friend, as most negative information drops off...

I have. Judgement from a credit card filed in 5/20/2006. Is if possible to bargain with a lawyer and settle the judgement?

I agree with my colleagues. It is often possible to settle older judgments like this for much less than the balance. However, keep in mind that a...

Will filing chapter 7 free me from my spouse's business debt that I co-signed for when we were married?

Assuming you qualify, Chapter 7 bankruptcy discharges all debt, including business debt, with very few exceptions (e.g., student loans, certain...

Does a credited have to have s judgement against you before they can freeze your bank account

With few exceptions, creditors cannot levy a debtor's bank account or other property without first filing a lawsuit, serving the debtor with the...

Why does my credit report show my mortgages discharged by bankruptcy?

Generally, if you receive a bankruptcy discharge, and you did not reaffirm the mortgage loan, the loan is discharged. Even if you pay off the loan,...

Social Security benefits, including SSD, are exempt from garnishment. (There is no wage garnishment in Pennsylvania for most debts in any case.)...