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Todd Michael Boudreaux
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Todd Boudreaux’s Answers

128 total


  • Is this legal

    Heater actuator on ford explorer tore up called car lot whom I'm purchasing the vehicle from and they told me to bring to shop to fix it so did that and shop said that the problem wasn't actuator it was a hose that was busted and said they would h...

    Todd’s Answer

    There are too many unknown facts to answer your question. if you cannot locate a vehicle and do not know who has possession of it, you should start by filing a police report of a stolen vehicle. If the vehicle is being held for payment of repairs, you need to contact an attorney to determine your rights vs. the mechanics rights.

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  • How long will this process takes and how much would it cost me?

    Im in need of help getting paid off and late payments off my credit report.

    Todd’s Answer

    Even if bad credit items continue to report, there are steps that can be taken to speed up the rehabilitation process. Bankruptcy, in some cases, is one such step. Accounts that continue to report delinquent will continue to weigh down your credit score until they 'drop off," preventing you from improving that score or from getting approved for new loans. If you discharge those debts in bankruptcy, you provide a "start-over" reference point to start rebuilding your credit. Our firm, like many bankruptcy attorneys, provide free consultations to discuss with you the costs and benefits of a case filing.

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  • Getting divorced one filing bankruptcy credit cards have 1 mainaccountholder withsecond just cardholderwilltheotherbe effected

    not divorced yet but wife will file for bankruptcy asap will the second card holder be affected or responsible for any of the balance . the card is in the wife's name but I have a card in my name under her account. will the bankruptcy affect ...

    Todd’s Answer

    It is likely that you have other joint debts and her filing could have a significant impact on you. You should discuss this with your divorce attorney to determine if the settlement agreement can either provide some protection for you or repay you for the trouble it causes.

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  • How do I get information related to survivor benefits for the former spouse of a civil service employee?

    I was married for more than 20 years to a civil service employee who retired on disability approximately 18 years ago and passed away about 3 weeks ago. I have read much of the related information online, but do not understand how to get the proc...

    Todd’s Answer

    Was the disability income provided through Social Security or the civil service agency? You should make an appointment to go to the Social Security office or the office of the former employer for assistance.

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  • Are doors required to be locked during business hours in a business office where customer information is located?

    I work for an automobile dealer in the accounting office where we process the paperwork for the car deals. The customers credit files, etc.. are in the folders on the desks while we are working on them. We feel the door should be locked and thos...

    Todd’s Answer

    I agree there are no laws directly applying to this situation. But with all of the recent issues of identity theft, etc. it is prudent for anyone who maintains sensitive information to take reasonable steps to protect that information. If the unsecured information is accessed by someone who compromises several of the customers credit information, that could result in an expensive lawsuit for damages.

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  • I filed chap 13 pro se in GA to stop my leased vehicle from repo. The company repo'd the car didnt leave any info. What can I do

    I had gotten the paper back approving my repayment plan. i did not pay the court fees as scheduled.

    Todd’s Answer

    It is not clear whether or not your case is still pending or has been dismissed. Either way, you need to hire a bankruptcy attorney to review you situation and discuss your options.

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  • HOW DO YOU OPEN A CHAPTER 13 CASE TO SEEK A TURNOVER ?

    I NEED HELP

    Todd’s Answer

    If you were a debtor in a Chapter 13 case represented by an attorney, you should schedule an appointment to discuss this with your attorney. If you are a creditor or think you need to reopen the case for some reason (other than as a debtor) you should hire an attorney to help you. You may not need to re-open the case, depending upon what you are trying to accomplish.

    www.augusta-bankruptcyattorney.com

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  • Can my late mortgage payments be added to my current chapter 13 to stop forclosure

    trying to stop forclosure

    Todd’s Answer

    A Chapter 13 filing may be able to provide the opportunity to catch up past due mortgage payments. Most consumer bankruptcy attorneys provide free initial consultations, so you should schedule an appointment sooner, not later, to understand all of your options.

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  • If my cosigner on my car loan filed bankruptcy, can I return the car?

    The current car I have, my dad is my cosigner. He filed for bankruptcy a few months ago. I want to get a new vehicle but am very upside down on my current car. The bank person at the car dealership told me that since my cosigner filed for bankrupt...

    Todd’s Answer

    • Selected as best answer

    No, that is not liekly true. If you are liable on the note and it does not get paid, the lender can pursue you. If you trade the car in, your will either need to make arrangments to pay the unpaid balance of the loan or expect collection actions from that lender.

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  • How can I stop a garnishment that is taking more than I can afford to pay?

    With the garnishment taking more than I can afford to pay, I will not be able to make my mortgage payment or other bills due. I have an entry level job and I was basically not making an income for over two years.

    Todd’s Answer

    You need to contact an attorney to discuss this matter. A Chapter 7 or Chapter 13 bankruptcy case may help you deal with this matter to prevent the creditor from garnishing your check to the point that you cannot pay your bills. It may even eleiminate the debt entirely. You can only get solid answers from meeting with an attorney. Most of the time the initial consult is free, so it is worth your time.

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