Bankruptcy question for joint accounts

I'm sorry to hear about your situation. Bankruptcy can discharge his liabilty but the co-signer will still have the obligation. To discharge...

Debt collection

They cannot take out more than you have authorized. Reg E is the regulation the deals with electronic withdraws. This could also be a violation...

I agree with Lewis. Do not make payments, hire an attorney to handle the phone calls and do a full review of the loan history and either settle...

If file the wrong chapter and let it dismiss can I reinstate the case and file chapter 11 or should I file a new case?

I would let it get dismissed, move to reduce the prejudice period and then file a new Chapter 11. Chapter 11's can be very difficult and you...

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Does a creditor have to pay back any payments made after bankruptcy has been filed if you rescinded the reaffirmation agreement?

Generally speaking these payments will be kept by the auto company and applied as "adequate protection payments." It doesn't hurt to ask for the...

My student loans have been sold several times to different collection agencies. Can each agency report the same debt on my...

You really need to speak to a student loan attorney. Are these private or federal loans? The debt collectors should only report for the time they...

What are the steps to take to handle a judgement that has fallin off my credit report but still in the court system.

You have 2 options. File a motion to vacate the judgment if you have never been served and it, in fact, should never have been entered or contact...

Chapter 13 for student loans

You most likely do not need to file Chapter 13 for FEDERAL student loans. There are other ways out of default. If they are private they will have...

Is it possible to get out of debt, without filing bankruptcy, when living on a pension and social security?

It seems as though you are "collection proof." You will want to verify the Utah exemptions but your best bet may just be to ignore all the...

Chapter 13 is paid off except for owing back tax refunds i received over the last 5 years. can i dismiss my case?

You may be able to if no discharge was entered. It may be better to consider negotiating with the IRS or maybe filing another Chapter 13 after you...