No, you are not. You may want to contact a debt collections defense lawyer for a consultation. They may be able to negotiate a better deal for you.

Mr. Caldwell is 100% right. Talk to your attorney and find a way to make the payments. Get a part-time job or two if necessary. Are you required...

Yes, you can file after the loan has matured. You generally have to pay the entire loan balance in the Chapter 13. That can make the plan payment...

There is no tax on debt discharged in a bankruptcy case. You may not need an attorney, but you will need an experienced tax preparer or CPA. If...

Scam Alert! Scam Alert! The siren is sounding and the red lights are flashing. The scammer wants access to your bank account so he can swipe all...

If you don't want to file BK, then work 2-3 extra jobs to raise the money to pay him off. Once you have the money, let him know. You will want to...

Yes, past due rent is included in your bankruptcy. You will have the opportunity to reject the lease as well. Get 2-3 free. im-person...

I agree with my colleagues that the car was likely sold at auction. However, you should contact Santander to verify if that has actually happened....

You may not need an attorney yet. But you should dispute the debt in writing, within 30 days of the date on the collection letter, and most...

Bankruptcy may be an option. With Chapter 7, you can eliminated most debts. Chapter 7 has drawbacks, such a potentially losing your house or...