Can I send a debt validation letter after I made a payment?

You have the right to demand a verification within the first 30 days after the collector sends you a written notice. Making a payment shouldn't...

You need to find a lawyer that handles FDCPA claims. Their threats to have you criminally charged likely violate the FDCPA (if the creditor is a...

Can I do anything about student loans I've cosigned on that they refuse to pay?

Consult this guy - http://thestudentloanlawyer.com or find a nearby graduate of one of his workshops. He lists the graduates on his website.

Preferential payment: How does bankruptcy court determine date of payment for funds levied from a debtor's bank?

Preference occurs when the check is cashed. See Barnhill v Johnson, 503 US 393 (1992). In general, the bankruptcy court will interpret 11 USC...

Can you "buy back" excess equity in your home when filing Chapter 7? My home is worth $20,000 more than the exemption.

The court won't "seize" the house but the trustee may attempt to sell it. You can certainly attempt to bargain with the trustee to keep the house...

If the employee doesn't work for the company during the return period then tell them that.

Do I need to include the PMI as a creditor when I file for bankruptcy?

You likely do not have a separate obligation to the PMI insurer. You signed a promissory note with the lender in which you agreed to reimburse...

How to get inaccurate information removed from credit report

Inaccurate information can be removed from your credit reports by the dispute process which can be initiated online or in writing (and by the phone...

I am a homemaker and my husband works. If I have a credit card only in my name and default on it can they get our tax return

They can't attach your tax refund before it gets to you.

In a Dallas County Sheriff's Sale (auction) can a judgment creditor use the "credit bidding" tool allowed by the Bankruptcy Code

The bankruptcy code provisions have no application outside of bankruptcy or a bankruptcy-ordered sale.