I am being sued but the court status and disposition is saying judgement/satisfied. What does this mean for me?
Your question isn't clear. If you are just now being sued, there should be no judgment yet. On the other hand, the most likely place you would see the phrase "judgement/satisfied" is either on a credit report, which would be a good thing, or else in the online court records for a case that had been filed against you, which would also be a good thing, since it would mean that although a judgment had been acquired against you, that it has now been paid off. Of course, if you don't remember paying off any judgement, then that leaves us wondering how it could have happened. It sounds like you need to raise this issue with a local attorney, so you can figure out exactly where you stand.See question
chapter 11 they had 23 more years on there loan and they restructure it for 4000 a month for 20 years is that possibly
It is very unlikely in South Carolina that you will get a Chapter 13 plan proposing to pay $8,200 per month towards a home mortgage debt confirmed, so you will probably be finding out pretty soon what is possible in an 11, since the 13 trustee or United States Trustee is probably going to allege that your 13 is a substantial abuse of the bankruptcy court system.See question
as much information you can give
Well, first of all, the five year period runs from the month after the plan is confirmed, not the filing date, so that helps a little, especially if it takes a long time to confirm your plan. Second, there are some courts around the country where plans have been confirmed that go past five years, but that is rare, and I don't think it has yet been done in South Carolina.See question
If a property is available at the Master In Equity - Deficiency Sale in South Carolina, is the winning bid responsible for the deficiency on the original foreclosure?
No. The prior owner is responsible for the deficiency judgment amount. The new buyer is only responsible to pay the bid amount and foreclosure sale costs, unless this is the foreclosure of a second mortgage, in which case the buyer would have to deal with any senior mortgages or liens of record.See question
Am I liable if I did not sign the loan?
No. You can't be liable merely due to the fact that you are married to someone who is liable, like your husband. However, remember that creditors get first shot at a debtor's probate estate. So, if your husband dies owing the student loan, and he has assets that are available for his creditors at that time, then the creditors would get paid before you would get an inheritance from his estate.See question
They have called my references and told them to pay my loan or they going to put me in jail. They have showed up at my house after 6 o'clock I don't know what to do I really don't know south Carolina laws
Sounds like a typical scam collection tactic. SC has good consumer protection laws, which even apply to original creditors like this one. Under Section 37-5-108 of the SC Consumer Protection Code, collection tactics like this one are illegal, and creditors who violate this law have to pay your attorney fees, in addition to paying you statutory damages for these improper collection tactics. I would be glad to speak to you further about this matter, if you wish.See question
Also looking for referrals for chapter 13 in my town. Thank you
The court approved no-look fee for a normal Chapter 13 filing, assuming you don't have your own business, is $3,500, plus the filing fee. Of course, lawyers are free to charge more or less than this amount, and some lawyers will take some of this amount through the Chapter 13 plan instead of requiring it all up front, but that depends on the lawyer.See question
I either paid my bills outright, made payments online, or set up payment plans with 3rd parties. I logged in and there is no history available on their site anymore. I have changed banks since then so may be no history available there. I have writ...
Here is the link to the online SC Dept of Consumer Affairs complaint form. This should get a response from them.See question
I have a medical bill that I am currently paying 50.00 per month to a collection agency. The first thing they did was call my job & discussed this with my boss.. Then they called my husband wanting me to pay more each month.. I can't believe the n...
It sounds like they could be violating both the FDCPA and our similar state statute, the SC Consumer Protection Code, which applies to original creditors as well as collection agents. Some consumer protection attorneys, such as myself, can be retained to completely protect you from contact with the creditor, under penalty of law, for very reasonable rates. In addition, the SC law provides that if you write them a letter instructing them not to contact you at your work location, that they must stop doing so. It is also improper for them to contact third parties, such as your husband, for anything other than location information, assuming that they didn't know where you are located. Otherwise, they shouldn't contact third parties at all, and even if they do contact them for location information, they should not discuss your debts with those third parties at all..See question
Payment was suppose to be made by March 2013, but I am unable to get a refi due to my credit score, I have tried twice.
Failure to make this payment could lead to your ex taking you into court on a motion for contempt of the prior court order. You could consult a domestic attorney to deal with the matter, if you don't already have one. You could also consult with a bankruptcy attorney, since it might be possible to deal with this debt in a bankruptcy as well.See question