Was an international student from 2000-2003.

Annualcreditreport.com requires arbitration if there is a problem with your credit report. Try 877-322-8228 (same free reports without arbitration...

Can a debt collector ask a unfair amount of money

The company does not have to accept a payment plan. It can sue you for a judgment for what you owe and nothing more. The good news is that it...

Can I exempt 10k in chp 7, even if: bought home before we were legally married; house in my name only; and husband not filing?

He cannot claim any of the homestead exemption because he does not own the home. All of the equity is yours and you can claim whatever exemptions...

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I have perfect credit never anything in collections. I am in the process of buying a home.

Dispute it with the credit bureau and with the old landlord. You may want to sue them for your deposit back or for a declaration from the court...

Debt Obligation

No. Unemployment cannot be garnished. Most states protect unemployment and its proceeds from garnishment. [This communication is intended as...

Can request a loan on my 401K 1 day after I file for chapter 13?

Typically, you have to get permission from the court to take out loans which you in Chapter 13 bankruptcy. Some jurisdictions let you borrow small...

What is the proper language that should be used to fill out a DEFENDANT’S ORIGINAL ANSWER, if the charges are not accurate?

There is no proper language. Just respond to each item in the complaint and use the same style. [This communication is intended as general...

What options do I have if a person who has signed a promissory note for a personal loan is about to file bankruptcy?

Unless you have a lien on property, a bankruptcy will discharge the obligation to pay on the note. If you file for a judgment, you will be...

Do I need a Bankruptcy attorney?

Dispute any balance listed or anything other than discharged in bankruptcy. Send the dispute certified return receipt requested. The creditor...

Recieving bills after my chapter 7 discharge

The creditor was notified of your bankruptcy. It was required to stop trying to collect against you for any debts that you owed prior to the date...