In most cases, no. My position has always been that if a debtor wishes to ease his or her burdens through a second job, more power to them. The...

It would be in your best interest to consult with an attorney with experience in bankruptcy law. You may qualify for Chapter 7. Alternatively, a...

A credit card co. sold my discharged chap 7 unsecured credit card to a factoring co. and they are trying to collect a debt.

This is a clear discharge violation. Call your attorney and he/she should know what to do.

Your attorney's legal conclusion is correct, although I'm not sure there was good communication. Reaffirming a mortgage does nothing more than put...

We hired a roofing co to put a roof on our house. In the meantime my husband being self employed was expecting to be paid

I'm not sure that this is an FDCPA claim, since the roofer is not a third party debt collector. It would appear that the roofer is threatening to...

My question is i have a credit card debt 22,000. What is my options?

It certainly sounds like filing a bankruptcy could resolve your problem. In most cases, filing a case will immediately stop collection letters and...