Do I have to deal with the recovery consultant if the collections against my credit are false and are the phone companies fault?

If the charges are truly bogus, you should send the collection agency a drop dead letter (link below). Include in the letter that you dispute the...

Most of your question depends on the specifics of your situation and whether your chapter 13 plan has been confirmed by the court. If the plan has...

What after the filing and before the discharge?

Your attorney will probably give you a list of things to do. It will include instructions on what to expect at your creditor's meeting. You...

How long should i wait to file after divorce and loss of job

I agree with Jeffrey. You need to speak with an attorney to find out if there are any circumstances that might cause you to want to delay a...

What are the best options for a judgement that I cannot pay

You definitely should not sign a deed over to them without speaking to an experienced attorney first. North Carolina provides that a certain...

What if I signed a reaffirmation for my car and now I can't afford it after a year?

This is the reason many attorneys try to talk their clients out of signing reaffirmation agreements (at least in North Carolina). Once you have...

Bankruptcy and taxes, do I pay any taxes on discharged debt?

While canceled debts are usually considered taxable income, debts discharged in bankruptcy are not. You may want to check the IRS link below for...

Does the fair debt collection practices act include payday loans.

The Fair Debt Collection Practices Act only regulates debt collection agencies - not the entity that you actually owe money to. Nevertheless, in...

Put in to open a credit card account to lower my current cards rate.

The most important issue, in my opinion, is that the credit card company is contacting you at work. This may be a violation of the Fair Debt...

If I default on my mortgage, what are the legal consquences. Can the bank seize my salary?

Your question raises several issues. First, the bank cannot directly garnish your paycheck. But, if you have a checking account at the bank or...