I recently files chapter 7 but my lawyer failed to not include my vehicle so now he is advising for me to file chapter 13.

I do not think that the subsequent filing of a chapter 13 will materially worsen your credit score. I would focus more on the result you want, the...

How do we get rid of debt collectors that have the wrong number?

I would send a cease and desist letter to the debt collector, providing your name and telephone number. Ask that all dect collection calls cease. ...

Can Bank pursue deficiency even after reporting LEGALLY PAID IN FULL for less than full balance to all 3 credit agencies?

The above general advise is all good to consider and contemplate. If you did sign that this was an accord and satisfaction, put the bank on...

Is this legal?

Likely not. There are creditor harassment laws that regulate the activities of debt collectors and creditors in the State of FLorida. If this is...

You can amend your schedules to add an accidenilly omitted creditor. The clerk of the court charges a $26.00 fee for the amedment. If you filed...

Can a debt collector (i.e a lawfirm hired by HOA to collect unpaid dues) query report my credit report, an agent acting inbehalf

Likely not. If you owe a debt and the debt is turned over to a debt collector to collect and otherwise valid debt, the Fair Credit Reporting Act...

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If I short sale my house after including mortgage on a ch 7 bankruptcy, am I liable for the difference

If the creditor is listed in the bankruptcy and gets notice, they cannot sue you / collect on the difference. That woudl be a violation of the...

Are monies received from medical malpractice suit exempt from garnishment?

Generally speaking, no, monies from a negligence lawsuit, absent more, are not exempt under Florida law. Florida has a general personal property...

Are Debtors geting discharged under Chapter 7 and then filing a Chapter 13 to strip a second martgage having problems to do so?

I think that you should get a second opinion with someone, face to face, to go over your case. The best route would likely be filing a de minimis...

If a debt collection agency wins a judgement can it take money from my teamsters pension or social security benifits?

Assets are exempt under both Federal and State law. I am not a Washington attorney and therefore cannot speak to Washington exemptions but,...