Need advice on what to do with certified letter received from a law firm for debt collection from Junior lien holder?

I bet they are suing you on the promissory note for the second mortgage. They are not suing for a deficiency. You need to speak with an...

I have been paying on a Federal Student loan on time with no late payments since 1999 can it be forgiven after a certain time?

There is no statute of limitations on federal student loans, period. To discharge it, you would have to try another bankruptcy and qualify under...

If I pay my last month's rent, but vacate before lease is up. Do I get penalized?

If you are fulfilling the lease term by paying to the end, I cannot imagine that the lease says you are required to be physically present. As an...

If someone were to post their credit card information and someone were to see it and use it, will they be in trouble ?

Of course! That person did not have permission to use the card, right?!

How is income calculated when filing from bankruptcy? Is a new job income considered even if its above the threshold?

There are technically two tests. Income for the last 6 months (which sounds like you qualify), and your income going forward once you file (which...

Can I claim bankruptcy on subsidized and unsubsidized educational loans worth $44,000?

We simply do not know enough to say you can discharge the federal loans in bankruptcy. My guess would be no. We have to use a tough standard...

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Very reasonable for medicaid planning. I went through similar issues with my own father. And also talking with friends who have gone through it,...

This is where I differ from most attorneys... if you file now, we can almost guarantee you qualify for chapter 7 now. No assets to take from you....

No one is judgment proof. But you probably are collection proof. If the RV is your home, then it is considered homestead and should be exempt...

How can I answer an email about a debt collection that is over 10 years old?

You might be able to tell them you will settle for $0. It may have fallen off your credit report at this point. Tell them to only contact you in...