Contact the creditor in writing (certified mail) and request the refund within 10 days (or you will sue). If they fail to give it to you, small...

Time will improve your credit score. However, that is the wrong thing to focus on. Getting and staying out of debt is the idea. Get some...

Someone needs to go on PACER and check the case docket of the 2010 filing and look for an amendment correcting the SSN. Those have to be filed...

I don't believe a Chapter 13 can get your car out of impound without correcting the registration issue. The automatic stay may not apply. Anyway,...

You will want to meet with an attorney to plan this out. If you pay off a debt with this money, the Trustee could go after the creditor you paid...

Yes, your co-signer can take over payments. Keep in mind that during the bankruptcy the creditor may suspend any autopay or ability to pay on the...

The best thing to do is contact local legal aid. They may know some non-bankruptcy options to stop the garnishment.

I tried this once for a client and it did not work out. The problem was that credit card companies were large businesses without the ability or...

Anyone can file a lawsuit for any reason. Yes, the statute of limitations does likely bar this debt. However, you must TIMELY file an Answer (in...

It depends on whether you file Chapter 13 or Chapter 7. In a Chapter 13, you keep the house while paying back all or some of your debts. The...