Questions answered by Mitchell Paul Goldstein

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Should I claim bankruptcy, currently separated? unemployed and want to divorce.

Mitchell's answer | Answered on January 25, 2011

Right now, it does not appear that you have any property for creditors to get. You may even have a claim against your estranged spouse for some or...

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Homeowners insurance need to be paid for a home loan that was included in a Chapter 7 bankruptcy?

Mitchell's answer | Answered on January 25, 2011

The prior answer ignores one key problem. The insurance that the mortgage company gets does not cover you for liability. Without insurance on the...

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Can I finance a used a car prior to my chapter 7 bankruptcy discharge?

Mitchell's answer | Answered on January 25, 2011

This is not true. You do not need court approval to borrow in Chapter 7. The only limit is whether a creditor will lend money to you. Be careful...

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How to respond as term used in Chap 802 WI Stats to "40 Day Summons & Service by Publication" with no Complaint attached?

Mitchell's answer | Answered on January 25, 2011

I am not sure what your question is. A creditor does not have to accept a payment plan. A judgment creditor does not have to accept one...

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How do i get restitution owed to me?

Mitchell's answer | Answered on January 25, 2011

You can garnish this person if you know where the person works or banks. You can try to seize assets, though that is harder and you probably want...

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Am I responsible for legal fees incured by a third party collection agency?

Mitchell's answer | Answered on January 25, 2011

If the debt collector owned the debt at the time you paid it, then you paid the wrong party. The original creditor could have assigned or sold the...

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If my wife dies with credt cards in her name only would husband be liable even with receiving some 401k and insurance it wouldt

Mitchell's answer | Answered on January 25, 2011

No creditor can touch the 401K. Creditors of the deceased cannot get the life insurance proceeds either. That property automatically becomes...

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If you default on a loan, can that company call another of your loan companies to 'warn them'?

Mitchell's answer | Answered on January 25, 2011

NO. That violates the Fair Debt Collection Practices Act. Consult with a local consumer law attorney. If you win, the other side pays damages and...

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A judgment for $1230 was issued against me in 10/05 by "NCO FIN/99". How is the best way to settle or remove from credit report?

Mitchell's answer | Answered on January 25, 2011

If you canceled the policy, then dispute the debt with the debt collector and with the credit bureau. The debt may even be too old to collect. You...

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I filed bk chapter 7 and my attorney at the time did not remove the reaffirmation in time now the house is being sold

Mitchell's answer | Answered on January 25, 2011

If you did not reaffirm the mortgage, then the mortgage company is improperly reporting on your credit report. If you did reaffirm the mortgage, it...

Mitchell Paul Goldstein's Answers (7185)

Should I claim bankruptcy, currently separated? unemployed and want to divorce.

Homeowners insurance need to be paid for a home loan that was included in a Chapter 7 bankruptcy?

Can I finance a used a car prior to my chapter 7 bankruptcy discharge?

How to respond as term used in Chap 802 WI Stats to "40 Day Summons & Service by Publication" with no Complaint attached?

How do i get restitution owed to me?

Am I responsible for legal fees incured by a third party collection agency?

If my wife dies with credt cards in her name only would husband be liable even with receiving some 401k and insurance it wouldt

If you default on a loan, can that company call another of your loan companies to 'warn them'?

A judgment for $1230 was issued against me in 10/05 by "NCO FIN/99". How is the best way to settle or remove from credit report?

I filed bk chapter 7 and my attorney at the time did not remove the reaffirmation in time now the house is being sold