When a married couple file a joint Chapter 13 in NY State, can one person modify the plan and convert their debts to a Chapter 7

I have never heard of this to be the case anywhere. You just file a Motion to separate the cases and then either party can convert. A joint...

In North Carolina I believe the time is three years to collect on a written contract. My question is that if sued on a credit

The statute of limitations runs from the date you go into default. That would be the date of last payment or last charge. If none of this happened...

Educational loans

Income based repayment plans are available. I want to know why you are responsible for your kids' post high school education.

Equity loan in a bankruptcy.

You are not required to reaffirm a debt on real estate to keep the real estate. You are required to add all assets and liabilities on your...

Will Bankruptcy stop my ex from getting payments from a lawsuit that she filed on me for half of marital debt in Michigan?

The stay will stop the claim, but she can always file it in the bankruptcy court. If the debt is for support, it is not subject to discharge,...

Can the creditor refuse my payment after judgement has been but before the garnishment has been signed?

A creditor does not have to accept a partial payment or a payment plan.

Attorneys can have another attorney appear in their place if needed. However, the attorney of record is the attorney of record unless a...

My wife had debt in Oregon which is not a community property state. We moved to Washington and now the creditors are coming

In what state? If the medical debt was for life threatening medical condition, then maybe spouse is liable (must look to state law). If the medical...

My friend requested me for usd 5000 for his college fee.in august 2008 and which i directly paid from my credit card in his

If the statute of limitations has passed, you may have no further claims.

I just found out today that my paycheck is being garnished for a 20 year old hospital bill when I contacted the hospital they

Check the age of the judgment. If it is too old, then it cannot be enforced. Check the judgment to see if it is yours and even if it exists. Find...