Utiity company is billing me for 2009 balance-do they have to provide bill copies?

FDCPA does not apply to original creditor. If you are sued, you could contest the debt and make the creditor prove it.

How can i get money if my mate is live out of state

Why does your mate owe you money? How long ago what the money owed? Did you mate live in your state? You comments are too vague for an answer.

I am interest in purchasing a home that is in bankruptcy but cant actually purchase until the end of Nov 2011 can I lease to own

If you just want to lease the place right now, you can enter into a contact with the owner to lease it. If you want to buy it or enter into a rent...

We have a secured car loan as part of a dismissed Chapter 13 due to disability. Can we surrender car instead of paying loan?

If the case was dismissed, then you still owe on the car. Unless it is paid off, you can held responsible for any deficiency balance. If you try to...

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You filed the Motion to Dismiss. That would make you the Movant. The party that filed the lawsuit is the Petitioner or Plaintiff. You would be the...

Volunteering for a company in financial distress and we're filing bk.....

Are you asking if volunteering will hurt your bankruptcy? If so, then no, unless you quit your job to avoid paying creditors. Your household income...

I have been requesting copies of utility bills for a balance from 2009 that the utility company is billing me for now. I'

I can only cover part of your question. I hope that a New Jersey attorney can cover the rest. The FDCPA does not cover original creditors, which...

Trying to determine home value for CA bankruptcy. Eppraisal and Zillow are 62k apart. Also, can I deduct cost of sale?

I assume that you are talking about bankruptcy. What Chapter did you file? What is the purpose of the valuation? If you need to know whether there...

Need to know what action to take to resolve a collection issue with a nursing home.

You need an attorney familiar with elder law. In some states, they cannot throw a person out of a nursing home because of payment issues. You do...

What can I do if a collection agency made a promise on behalf of their client and did not hold up their end of the agreement?

Talk to a local consumer attorney about possible violations of the Fair Debt Collection Practices Act. If the debt collector lied to you to get you...