My mortgage has been discharged in Chapter 7 bankruptcy in FL? Why I am needing to appear for a motion of summary judgement?

Two excellent answers -- to make sure BK notice has been properly received, in addition to listing the creditor in your schedules, filing a...

Is it considered harassment when three different creditors are trying to collect the same debt with different amounts and dates?

While I do not disagree with my colleague's answer above, harassment covers more, including using deceptive and unfair practices to collect a debt....

I agree with the second answer -- as head of household, you can claim your wages exempt and protect them. This requires affiramtive action on your...

Wage garnishment

If the judgment is against your husband (as unjst as that may now seem to you) then they can take his assets until the judgment is set aside. If...

Can you send a debtor letters directly if they claim they are represented by atty 4 purpose of bk but not yet filed?

While I do not disagree with the above answer, the question focuses on Florida's consumer protection law (i.e., FCCPA). Florida Statute 559.72...

A 3rd party collector is attempting to collect on a charged off/wriiten off home equity line is that valid?

While I agree with the answer above, I do think that a position can be taken (both now, pre-suit and as an affiormative defense if a lawsuit is...

Where do I get the form and which court (I live in Pinellas)do I go to to declare head of household, and how long is it?

You need to fill out what is called a claim of exemption and request a hearing. You would then sleect Head of Household, file it with the Clerk of...

Collecting Charged Off Debt

A creditor charging off a debt, generally speaking, is an internal accounting function. It does not mean, necessarily, that the debt has been...

Do I have recourse against a creditor of my wife for illegally garnishing our joint acount?

While exemptions, as my colleagues have pointed out, are important and a defense, tenants by the entirety is also a distinct, and perhaps strong,...

How to dispute a collection case?

I agree with Mr. Lampert's sound advice. Focusing in on his last area, you may also send a cease & desist letter to the third party debt...