Just found out a civil judgement filed against me for $16k in 2005 from 2002 car accident. Is bankruptcy the only discharge opt?

Yes, if you are in a car accident and don't have insurance and they get a judgment against you, then the lawyer for the other person's insurance...

I have a garnishment summons an I need help dont know what to do

Did the garnishment summons hit the place where you are working now, or a former employer. If it's a former employer, you have more time to work...

Too much debt. I work just to attempt to pay this debt. I pay for food with credit cards that are maxed. Should I file bankrupt

You probably need to file bankruptcy. But the exact details of you situation are important to figure out for sure--and decide what bankruptcy is...

Unsecured creditors paid before secured????

What a mess. The trustee is not likely to be held for the mistake and the secured creditors have to be paid. I don't see any good answer to your...

Can a collection agency legally report a collection to the credit bureaus in this instance?

If you are trying to set them up to sue them, you should probably talk with a lawyer in Northern VA who specializes in FDCPA stuff. (I don't--I'm...

What are my rights/how can I avoid or put a stop to a garnishment?

Like most people who get a Virginia garnishment summons, you think the court date on it is the start date of the garnishment. Actually, that's the...

Dangers in Vacating Discharge for Late-Filed Reaffirmation Agreement?

Creditors routinely tell people like you that a reaffirmation can be entered late. I read the law the way Jason Krumbein did. But I have to...

How do I get debt relief from a co-signed private educational loan for my daughter?

I have a terrible solution--file Chapter 13, pay all you can afford for five years, and at the end of the five years, it's still there. I...

Not sure what your question is. Are you asking does the insurance company write a check to you, or to the car finance company? The answer to that...

In a Virginia bankruptcy case, is a rental home converted to a primary residence protected?

If there's no equity, then you can keep the house from the bankruptcy court, whether you consider it your residence or as a business. If you...