What would be a next appropriate action? Second loan on the house?

California has some unique laws regarding the rights of second mortgagees, so gather all your papers and see a qualified professional in your area....

I was served with a credit card lawsuit have 20 days to reply or answer?

Moving to Debt Collection. You are permitted to include the demand for trial by jury in your answer. Note the timing please. If this is in Small...

How does ‘victims of crime act’ monetary aid fit into Ch13?

I looked to see if the federal legislation includes an exemption, as is provided for Social Security. I ran out of time. You may want to spend...

Not Delinquent yet. Can I still file?

Moving to bankruptcy. You are not required to be in default on credit cards in order to file for bankruptcy. Insofar as you ability to exempt the...

I have never had Alliant energy services in my name and they say i have a outstanding bill of $1800.00.

If your name is John Smith, or in Miami, Maria Gonzalez, it is entirely possible that they are confusing you with someone else. As Mr. Fisk...

Have a chiropractor service trying to collect a debt that is not owed. Was serviced by chiropractor and paid in full for 24

Not aware of any law which precludes someone from being paid for something they did for you, but then I am not admitted to your Commonwealth,...

Do post 9/11 housing benefits have an affect on ch 7 bankruptcy?

Impossible to tell what the effect will be, but it is obvious that you need to amend your Schedules and possibly the Current Income Test to see if...

Moving to foreclosure. There is likely a time limit, and it has likely passed, but you need to consult a California attorney to determine the...

How do I go about collecting on a judgement against a privately owned company?

Moving this to Debt Collection. The easiest answer is to send you to an attorney who does collections, which is usually on a contingent fee. ...

Is it true a company must first come up with the amount of a judgment to put in escrow, before filing an appeal?

1) they can likely file a notice of appeal without posting a bond, but if Ohio is anything like Florida, they would have to "bond off" the judgment...