Can I really obtain a SCN or CPN to use instead of my SS# to rebuild my credit?

No. Please see Mark Bennett’s blog at http://blog.bennettandbennett.com/2009/06/cpn-scam.html.

A Chapter 7 BK is filed, included creditors have received notice, are they able to report you late until discharge?

It is permissible to report pre-bankruptcy late payments. So long as the tradeline states “included in bankruptcy,” there are no late payments...

I need to file for bankruptcy due to a divorce, and I'm thinking of changing my last name and social security number. How...

The Court of Common Pleas can do the name change within a few months. It requires only that you file a petition, go through a background check, and...

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What you are referring to no longer has relevance. See if you qualify for a payment plan or public assistance. If all else fails, you may want to...

What can I do about a sewage company that I know I am being way over charged by and who is threatening to turn off my water?

Make a complaint at the PA PUC site at http://www.puc.state.pa.us/consumer_info/natural_gas/filing_complaints/informal_complaints.aspx. You can...

How can I prove that an ambulance company was negligent?

There may be a negligence claim, but bringing such a claim would probably not be financially practical. I would reach out to a personal injury...

How should I handle private student loan lender who wants payment in full on defaulted loan I cannot pay in full?

Student loan debt is very difficult (but not impossible) to discharge. If you want to go this route, you would need to re-open, file an adversary,...

A Meetings of Creditors can be conducted by phone. You must be sworn in by and identified by an individual authorized under local jurisdiction. A...

Will the credit card co charge me with fraud if I'm paying the debt.

Were you using a card that had her name on it? If so, then yes, people have been charged with a crime for using a credit card with a deceased...

I filed chapter 7 in 2009 and it's discharged. Can I file chapter 11 this time to manage my still heavy debt load?

Your student loans in particular would be extremely difficult to discharge, but you still may benefit from a Chapter 13 bankruptcy. I recommend you...