Do I still need to file a quit claim in order to lower my income to debt ratio or do I work directly with the mortgage company?

A quit claim deed transfers the interest you have in real property to another party without warranting anything (like ownership). I think you are...

Can an employer keep final paycheck for money owed to company?

If the Fair Labor Standards Act applies, then the answer is no. File a complaint with the Department of Labor. Also, post your question under...

How to domesticate a debt to South Carolina

This is a matter of state law. Out of state attorneys cannot tell you to do it. Check with the South Carolina court to see if there is a form to...

How can I avoid my federal restitution from being offset and my wages garnished?

The restitution is not dischargeable in a Chapter 7 case. You said that YOU were ordered to pay restitution and not YOUR SPOUSE. If your spouse...

If I settle with my 2nd mtg holder after a shot sale, is the amt they forgive taxable.

Also, see Form 982 and its instructions. Make sure if you do settle, that the lender actually forgives the rest and you get that in writing....

Can my life insurance be garnished by debt collections after a judgement? i live in MA.

Your interest in the bank account can be garnished if they know about it. As far as life insurance goes, what type is it? If it is term life, there...

I am considering filing Chapter 13. I have a car loan that my mother co-signed on. Will she be affected by me filing?

There is no reaffirmation in Chapter 13. There is a plan. If you can pay for the car outside the plan and you pay it off as agreed, nothing will...

I filed chapter 7 in 2010 and received a discharge. Now I'm being sued because I owned a house with my partner.

You cannot be sued for the discharged debt. However, she can sue to partition the property and get a quitclaim deed from you. Generally, when you...

I am being sued for $1067.00 from a physician from a surgery I had. I do not have assets or money what should I do?

If the doctor performed the surgery, then the doctor can bill you. Usually, you contract with the hospital and they choose the doctor. Then you are...

I surrendered my car following my Ch 7 discharge. I called the bank and told them to pick it up.

Once the discharge was entered, the automatic stay ended. Now, it is a permanent injunction. However, that only stops the lender from coming after...

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