Take it to a local collections defense lawyer for an explanation. Use the “Find a Lawyer” tab here on AVVO to locate experienced collections...

Given your state's miserly homestead exemption, you are at risk of losing the condo should you file Chapter 7. You can file Chapter 13, and repay...

Take a look at your car finance contract. It should say how payments are applied. It is common for payments to be applied to fees and interest...

The answer is...maybe. Also, do you have other debts? Filing bankruptcy just to stop an eviction may not make sense unless you have other debts...

Title loans are financial poison. You have almost no options except to call the title company and see if you can work out an arrangement. It...

One correction. The foreclosure attorneys do not represent you. They represent the lender. What is the purpose of the mediation? Is it to work...

This sounds like a complex, high-end case. It is time to run this by a lawyer. Be sure the lawyer mostly handles bankruptcy cases. Use the...

Bankruptcy may be the best option, especially if you have other debt. A bankruptcy will stop the garnishment. Also, you may be able to recover...

The answer is "yes" due to a concept called offsetting. An offset is not viewed as the collection of a debt, even though it is exactly that. Why...

You may be fine as long as you have the money to resume mortgage payments and pay the plan payments. Get 2-3 free consultations from experienced...