My husband borrowed money from a small loan office in GA, he is now recieving calls at night as well as visits on the job

Contact an attorney. There is a fine line between legitimate collection actions and harassment. If they are call in after 9 p.m. at night it is...

I'd like to know if filing Chapter 13 would help me restructure my debts without being sued by creditors & having my income garn

Yes, it is possible. However, You may want to calculate how much longer until you qualify for the 8 years between filing dates. If you are not...

Can a debt collector refuse payment if they think it's too small?

Yes. They can refuse anything less than payment in full once you have defaulted on the obligation.

Foreclosure and spouse wishing to purchase new home

Her credit score and credit obligations are based on what she signed. Since you have no joint debt than your non-payment of your debt will not...

My ex is in foreclosure. will this affect my purchasing a new home if i signed the mortgage?

If you discharge the mortgage debt in your bankruptcy then it will not show on your credit report and will not affect your score. I would argue it...

My home will be foreclosed before I can return from out of state to remove remainder of my personal possessions, what can I do?

I agree with Mr. Fletcher. How big a problem this is depends on when you return. If it is the day after the sale your would be find. However, if...

My home will foreclose for what seems to be the primary mortgage & att. & advertising fees only, why is the 2nd not included?

The reference to the balance paid is undoubtedly just the first mortgage. In a foreclosure the first mortgage gets paid first. Any funds above...

We lost our home and had 40,000 equity. Can we recover anything?

It is doubtful you have recourse unless there was some error or defect in the foreclosure process followed by the mortgage lender. You can recover...

File chapter 7 bankruptcy again. Eligible 8 years after I last filed or after the discharge?

It is eight years from the time of filing the prior case to the time of filing the present case. Not from the time of discharge. Hope that helps.

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My house has stuctural defects that the insurance will not cover and they are dropping my coverage because of that.

Your 401(k) is protected. You should contact a local bankruptcy attorney for a free consultation. The attorney can advise you on how to protect...