Archived
Debt attorney no showed in court( was motion for summary judgment. Judge denied . What is my next hurdle ?
Mitchell's answer
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Answered on May 29, 2012
The case is still ongoing. The summary judgment motion was denied. You may be able to seek sanctions if you had to pay attorney fees for a hearing...
Archived
Does the statutue of limitations apply to local government? Received a large bill from 2004. Is it valid?
Mitchell's answer
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Answered on May 29, 2012
Whether they can come after you depends on what the debt is for and whether your state considers it to be a lien on any property that you may have.
Archived
Can the Marshall still garnish my salary even if i went and got an order to show cause and mailed them a copy?
Mitchell's answer
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Answered on May 29, 2012
Though I cannot speak specifically to NY, no one is going to stop collecting on a court-ordered garnishment without a court order to stop. Thinking...
Archived
I owe several credit cards and Iam falling behind on payments. What is the worst that can happen if I just stop paying them?
Mitchell's answer
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Answered on May 29, 2012
Social Security money is protected. Other items may be depending on state law. The creditors may sue or sell the debt. A judgment that can't be...
Archived
We filed Chapter 7 in 2007, maintained our house and HELOC payments. What will happen to the HELOC if the house gets foreclosed?
Mitchell's answer
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Answered on May 29, 2012
The situation with the first applies to the HELOC. If you let the house go, one of the lenders will foreclose. Whatever isn't paid is gone because...
Archived
I stop paying the mortgage in 2008 I went through a chapter 7 bankruptcy haven't payed 1 red cent in 4 years have not received 1
Mitchell's answer
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Answered on May 29, 2012
Send a Qualified Written Request (Google it) to the mortgage company and you can get a complete pay history. If you owe anything, you still owe it...
Archived
BOA took over $400 of my mortage payment for fees that were covered under bankruptcy and charged me for them. Can they do that?
Mitchell's answer
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Answered on May 29, 2012
You are responsible for post-petition fees and costs. Pre-petition fees and costs should have been paid through the bankruptcy. For specifics, see...
Archived
If my house was in my bankruptcy that was discharged 3 yrs ago can i still walk away if i sign the loan mod. papers i just got.
Mitchell's answer
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Answered on May 29, 2012
As long as you didn't reaffirm the debt, you can walk away whenever you want. Your personal obligation to pay the mortgage was discharged. Even a...
Archived
Is it legal for Sprint to charge a fee for your credit rating?Is it legal to charge the fee plus a late charge? Do I have a case
Mitchell's answer
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Answered on May 29, 2012
Check your contract. If it provides for an additional fee based on credit issues, then it is legal. If you have a complaint, you can file it with...
Archived
I tried to get a loan on my house that I owe nothing on. When empower checked into it it said i have a lien on it .
Mitchell's answer
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Answered on May 29, 2012
You need a real estate lawyer to sue to get the lien removed. Be prepared to prove that it was paid off.
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