I was wondering what the statue of limitations on a payday loan is.

The debt collector is violating the Fair Debt Collection Practices Act and you can sue them. Knowing that will help you sleep better, but it may...

How far back behind on the unsecure debts can I have before filling chapter 7

Yes, if you are out of work and expect to be for a while, I generally suggest my clients hold cash. When the credit cards call, you would want to...

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Can you file for bankruptcy if you live outside of the United States?

You can file bankruptcy where you own your most valuable asset. Do you still own real estate--even if it's upside down--or even a car in Florida? ...

Received call from legal service tell us we could cut our credit card debt in half gave ph. # and lawyer name not sure if scam

Offers like that are mostly scams. And whatever they are offering you has to be amazingly profitable if they can afford to make cold calls to...

Write to the debt collector saying you dispute the debt and also add in writing I REFUSE TO PAY. When you say that you refuse to pay, then it...

Do i have to surrender an item or pay money to bass & associates 1 year after chapter 7 discharge?

In Virginia and most states, they have the right to their stuff back, if you don't pay them. And if they have the right paperwork! For my...

Wages have been being garnished for past 9 months and with all additional fees the bill has gotten higher- what can we do?

You need to talk to a bankruptcy lawyer. the purpose of bankruptcy is to help the honest but unfortunate debtor to get a new start in life and a...

After you file bankruptcy how long after your discharge can you still surrender a vehicle?

You don't need to do anything. The bankruptcy covers it. They can repo the car if you are late, but they cannot come after you for the money. ...

How do I protect my adopted daughters ssi benefits from our Chapter 13 trustee.

I think the law says you don't, but some judges say you do. I fought this once for a retired lady who had a WHOLE LOT of social security income. ...

If my step dad has a savings account with my name on it, can a bankruptcy trustee take my dad's money?

Virginia has a law that says the money belongs to the person who put it in; so if you can show it's all dad's money it would be safe in Virginia. ...