How long does a creditor have to sue you for debt ?

The creditor has already sued you and obtained a judgment. Therefore, the statute of limitations on debt does not apply, unless you have grounds to...

What steps should I take if I currently have good credit but have a ton of credit card debt and struggling to make the payments

I agree with Christian. If you are able to make only minimum payments, you should discuss your options with a bankruptcy attorney. Whether...

Do i have to be personally handed a subpoena for a payday loan from 4 years ago

Assuming your are sued in Pennsylvania, the creditor must attempt to serve you personally. In the alternative, the complaint may be served upon an...

Will the PA Chapter 13 trustee demand that my earned income credit tax refund be handed over to him before the plan is confirmed

I agree with my colleague that you should seek local counsel. Any tax refund is part of the bankruptcy estate, and the trustee may demand that you...

I have a judgement against me what can they do too collect ?

There is no wage garnishment in Pennsylvania for this type of judgment. Therefore, the creditor is limited to the actions outlined by my colleague,...

Im fighting for disability and cant work. Ive tried payments before forclosure & they wouldnt take them then. Do I have options?

Once the bank files for foreclosure, the homeowner has three main options to save a home (1) work out a mortgage modification with the bank (often...

A lien resulting from a monetary judgment can be avoided in Chapter 13 (or Chapter 7) bankruptcy, if it impairs your exemptions. (Bankruptcy Code...

Can I sue my mortgage company for handling a refinance that started 4yrs ago now landed me in foreclosure poor credit rating?

It is quite possible that you have a cause of action against your mortgage company and defenses to the foreclosure. However, you will need to...

How can I know if filing bankruptcy is the best choice for me?

I agree with my Pennsylvania colleague. A good bankruptcy attorney can review your financial situation with you and discuss all of your options,...

Can my soon to be ex-husband file chapter 7 with me if I qualify for chapter 13?

I agree entirely with my colleague's answer. Whether a divorcing couple should file for bankruptcy depends on too many factors to give a...