I went thru Elite Services to pay off my credit cards within a 3 year period. The only company that refused was Capital One.

If the account is with Capital One, then the Fair Debt Collection Practices Act does not apply. It does not cover the original creditor. If an...

If I conver a Ch.7 bankrupcy to a Cp.13 to get a second mortgage lean taken off. Will my old creditors come back after me?

No. Converting a bankruptcy does not revive debts. Also, if the payoff on the first mortgage is more than the value of the home, you can file to...

Small business / personal bankruptcy and continued obligations?

Sorry, but personal guarantees are also discharged in a personal bankruptcy. [This communication is intended as general information and not...

What happens when a judgement is filed against you in court?

The judgment creditor will have to use state laws to collect. Garnishment is a possibility. To protect your property, talk to a local attorney....

Out of state wage garnishment

A judgment from one state can be domesticated in another state. Then the creditor can use that state's laws to collect. Virginia allows wage...

I have been served a court summons from a debt i owe. I am not disputing the debt but would like to make a payment arrangement.

If you do not dispute the debt or you do not show up, the creditor will get a judgment against you. Whether the creditor decides to negotiate...

Forclosure

A deed in lieu is usually not available if there are other liens because it does not get rid of those liens. Otherwise, it gets the property out of...

Our condo auction sale date is 12/10. Will that still happen?

The foreclosure freeze has ended for at least some lenders. Unless you receive written notice that it is off, assume it is still on. Once the...

I just got a forecloser notice in Pa.I was never on the deed to the home how can I be held responsible for it?

If you are on the mortgage, then you are responsible for the mortgage. That is why you were notified. Being on the deed has nothing to do with the...

More information is needed. If the foreclosure did not follow state law, was conducted while a bankruptcy was pending without getting relief from...