In Florida, can a collection agency garnish my paychecks if I'm the only one with a job?

The only way a creditor can garnish your wages is if they first get a judgment. The creditor would be wise to settle with you, because based on...

What are the chances of a Judge granting a foreclosure if you are in Loan Modification with BOA?

As my colleagues said, it depends on the judge and in what phase of modification your loan is. If you have a letter from BOA saying that you...

Can a credit judgment freezer are checking account if the only money we receive is disability

Disability income is exempt from garnishment in Florida. Here is the link to Florida Statutes that tells you that it is. Your account may be...

Is it too late when a suit has been filed against you to file bankruptcy?

I agree with my colleagues that it is not too late to file bankruptcy at this stage. However, I encourage you to see a bankruptcy attorney for a...

Want to keep home, need to to Chap 13 to force Mediation w Bank & HOA. Did a Chap 7 2 yrs ago. How can we do a #13 to Mediate?

Southern District of Florida Bankruptcy Court initiated Loan Mitigation Modification program within Chapter 13 bankruptcy. You will not be...

They can get a judgment against you, if they have not done so already. Once they have a judgment, they can garnish your wages, bank account, levy...

Can a mortgage company garnish my wages for difference after the foreclosed property is sold off

Yes, they can. It's called deficiency judgment after foreclosure. It's the difference between what you owed on your mortgage and what the...

WF bank garnish my wage after 3 yrs of my short sale balance $143,000 in broward county fl

If you were not proceeding under what's called HAFA program - Home Affordable Foreclosure Alternatives - during your short sale, and did not...

Upside Down Rental Property Options

You have a great program in your district in the bankruptcy court where you can modify the investment property. If it's an investment property,...

When you're in bankruptcy, you cannot be sued, but the creditor can petition the bankruptcy court for relief from stay. If you have work done on...