Buying a pre-owned car in cash with a CC judgment against you.Best options to protect the car as an asset?

If someone else is financing the purchase (even a relative) make sure that the loan is documented along with pledging the car as collateral. Then,...

Last year a friend of mine went through a Chapter 7 bankruptcy but Countrywide/BofA never asked for an affirmation.

A bankruptcy in Chapter 7 discharges most debt. The personal obligation on the mortgage is one of those debts. Without a reaffirmation agreement,...

If I file a Chapter 7, and it is discharged before the stay is lifted for the Lender, can I negoiate a short sale or deed in

Once you are discharged, you gain nothing from a short sale or deed in lieu of foreclosure. Try cash for keys. Some lenders will give you cash to...

I need to know on how to get the money that is owed to my husband and me for 8 months of work we keep our time cards what do we

Failure to pay you wages for work done at least once a month violates the federal wage and hour laws as well as the laws of the states. You can...

Can another state enforce a judgement out of state? I live in NY and case is in TX.

A judgment in one state can be brought to another state (called domestication) for collection. The judgment must be valid in state 1 at the time it...

I got a letter from a lawyer giving me 30 days to respond but they served me 15 days later

Debt Collectors (and an attorney qualifies) must give you 30 days to dispute a debt regardless of when they send it and when you receive it. If...

I paid off citifinancial july 31, 2009 and i have the letter to prove it. now they are asking for an additional $183.04.

If they continue trying to collect, consult with an attorney about your rights under the Fair Debt Collection Practices Act. [I am a...

First, debt settlement could trigger tax obligations (seek tax advice on that one). Second, the debt collector must follow the Fair Debt...

What can student loan companies calling to collect a debt disclose to family members that answer the phone?

If the loan company is contacting you, the Fair Debt Collection Practices Act does not apply. It might apply if the loan went into default and was...

Will I have to wait 5 years before I can file bankruptcy?

It sounds the problem is that you have an asset. If you can exempt it under Michigan law, then you might be able to file now. If not, then you need...