Archived
Do I need an attorney to help fight hospital bills from over 10 years ago that do not show up on my credit?
Timothy's answer
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Answered on September 10, 2013
I agree as to the statute of limitations and the concern that this debt is not legitimate. Remember that the collection industry is built on...
Archived
My question concerns investors who purchase a home at the courthouse and enter without title transfer or writ possession.
Timothy's answer
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Answered on September 10, 2013
Please find a local attorney immediately. The scenario you described is illegal and amounts to theft although it is hard to get the police to want...
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Archived
How can I save my jointly-owned and -financed home if my (soon to be ex) wife files individual Chapter 7 bankruptcy, in Alabama?
Timothy's answer
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Answered on September 10, 2013
The bankruptcy court can release her from her obligation on the property but it cannot make her do a quitclaim deed or assist in any type of...
Archived
Are there lawyers that handle both bankruptcy and foreclosure issues?
Timothy's answer
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Answered on September 10, 2013
Yes, there are many attorneys that handle both. My suggestion is that you contact a local attorney to discuss your situation in more details. ...
Archived
Does a homeowner have a defense if the loan servicer failed to engage in loss mitigation prior to foreclosure attempts?
Timothy's answer
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Answered on September 09, 2013
Common sense says the answer is yes this should provide a valid defense. However, this is foreclosure land where common sense is about as common as...
Archived
Owner died, house in foreclosure, no one owned, pay daughter rent, can she evict us?
Timothy's answer
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Answered on September 09, 2013
Someone owns the house and they can evict you if you do not pay rent. The lights and utilities do not make any difference and the fact that she is...
Archived
Do I need an attorney to get a creditor from 2004 to stop harrassing me?
Timothy's answer
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Answered on September 09, 2013
I say yes, there is something you should be doing. While this may be an empty threat it may also be an opportunity for you to clean up your credit...
Archived
Can I consider this bill paid in full?
Timothy's answer
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Answered on September 01, 2013
This is not uncommon and there are a few options that you have available to you. It is impossible to determine the true amount still owed from the...
Is "Debt Validation" a legal way to get out of debt?
Timothy's answer
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Answered on September 01, 2013
False. You can challenge the validity of a debt but it never results in an automatic cancellation of the debt. This area of law is much more...
What does Certificate of Compliance with Foreclosure Procedures mean?
Timothy's answer
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Answered on September 01, 2013
Certificate of Compliance means different things in different jurisdictions but basically it means that the Plaintiff is saying they have complied...
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