Questions answered by Nikhilkumar Manharlal Patel

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Can the collection agency garner my wages and freeze my bank accounts if I don't response to a debt?

Nikhilkumar's answer | Answered on July 30, 2014

If you don't answer the door, they can still proceed with the suit in court. By accepting the documents at least you save yourself a trip to the...

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I received a final summary judgment for a 2nd mortgage. Is there an opportunity for a pay plan or must be a lump sum?.

Nikhilkumar's answer | Answered on July 29, 2014

If you are underwater based on your first mortgage alone (house worth $100k, 1st mortgage $125k and 2nd mortgage X), then you should look into a...

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My husband has an old pick up and I have a 2005 Toyota Camry, both are paid for. I Purchased a car for my son. I'm first on

Nikhilkumar's answer | Answered on July 28, 2014

You should talk to your bankruptcy attorney about this issue. If you dont have one, you may want to consider hiring one. You must make sure that...

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Home Foreclosure questions

Nikhilkumar's answer | Answered on July 27, 2014

I agree with Ms. Warrington, but would like to add that you may want to consult with a bankruptcy attorney in your area. You may be able to file...

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Imcome taxes due based on missing info

Nikhilkumar's answer | Answered on July 25, 2014

My colleagues are spot on. You need a tax attorney or cpa. Discharged debt consitutes income according to the IRS. There are exceptions to...

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I have retained a bankruptcy attorney but wont file till 2015 Can I put him on hold if I try to negotiate settlements on my own

Nikhilkumar's answer | Answered on July 25, 2014

You don't have to proceed if you dont want to. Whether you can get your money back may depend on your contract. You could use the attorney to...

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I'm very behind on my HOA fees because of unemployment. I defaulted on my repayment plan and now..

Nikhilkumar's answer | Answered on July 24, 2014

You may be able to pay the bill, but can you pay the additional attorneys fees and costs associated with the foreclosure proceeding? Can you do it...

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Do I have any legal action to take

Nikhilkumar's answer | Answered on July 24, 2014

You may have a claim, but the issue may rest on whether the doctor should have known that the results of the nuclear test were not reliable or...

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This is long lol i bought a vehicle in 2012 through a dealer and just before paying off a creditor from 1999 attaches a lien

Nikhilkumar's answer | Answered on July 24, 2014

I couldn't follow your fact pattern. Who is holding up the insurance money? Why would they hold it up if the lien is invalid? Why not ask the...

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This is a clarification of an earlier question. My wife found an envelope on the floor of a store. Can we keep it?

Nikhilkumar's answer | Answered on July 24, 2014

I don't see any additional facts from your previous post. I think those answers are still appropriate for your situation. Talk to a criminal...

Nikhilkumar Manharlal Patel's Answers (471)

Can the collection agency garner my wages and freeze my bank accounts if I don't response to a debt?

I received a final summary judgment for a 2nd mortgage. Is there an opportunity for a pay plan or must be a lump sum?.

My husband has an old pick up and I have a 2005 Toyota Camry, both are paid for. I Purchased a car for my son. I'm first on

Home Foreclosure questions

Imcome taxes due based on missing info

I have retained a bankruptcy attorney but wont file till 2015 Can I put him on hold if I try to negotiate settlements on my own

I'm very behind on my HOA fees because of unemployment. I defaulted on my repayment plan and now..

Do I have any legal action to take

This is long lol i bought a vehicle in 2012 through a dealer and just before paying off a creditor from 1999 attaches a lien

This is a clarification of an earlier question. My wife found an envelope on the floor of a store. Can we keep it?