Archived
Is R & J consulting firm a real lawfirm? I just got talked into making a payment to settle a debt for my old T-Mobile bill.
Stephen's answer
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Answered on October 13, 2014
Their web site http://www.rjconsultingfirm.com/ does not state they are a law firm though they show pictures with lawbooks in the background. All...
Archived
IS THERE A DIFFERENCE BETWEEN A JUDGMENT AND A LIEN? I HAVE NO HOUSE I AM RENTING AND I'M MAKING PAYMENT ON MY COLLECTION BILLS.
Stephen's answer
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Answered on October 13, 2014
A judgment is a form of a lien created by a court action.
Archived
I file Bankruptcy, but before I filed, a shoe cause hearing for a wage garnishment was schedule...
Stephen's answer
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Answered on October 13, 2014
If you have an attorney have your attorney file a suggestion of bankruptcy in the garnishment case. If you are pro se, write a letter to the...
Archived
If a foreclosure is reversed post sale, is there a cause of action against plaintiff for failure to maintain the property?
Stephen's answer
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Answered on October 13, 2014
Generally in Florida foreclosure sales take place more than 30 days from the entry of the judgment. If you had want to appeal the judgment a...
Archived
I incurred a hospital bill in NY in 2012. Was just sent a letter acct turned over to a collection agency w/ 30 days to verify
Stephen's answer
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Answered on October 13, 2014
If family members will help with a lump sum, collection agency will often settle for 30% of outstanding debt.
Archived
Do I have a better chance of a deed in lieu of foreclosure approved if the mortgage has already been discharged in bankruptcy
Stephen's answer
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Answered on October 11, 2014
The advantage you have is that its an equal playing field in that the lender cannot threaten you with a deficiency. For a deed in lieu you also...
Archived
What happens if I do not assume the car lease and continue making payments .
Stephen's answer
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Answered on October 11, 2014
If you do not reaffirm the lease the lender can repossess the vehicle. Many lenders will allow you to continue payments without reaffirmation. I...
Archived
Chapter 7 bankruptcy. Filed motion 2 avoid judgment lien my home. Court approved & signed order. Must file another proof of svc?
Stephen's answer
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Answered on October 09, 2014
Get a certified copy of the order and file in in the local recording office where you home is located.
Archived
Do judges vacate a foreclosure because the bank stonewalled the refinance attempts?
Stephen's answer
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Answered on October 08, 2014
I agree with Jacqueline, state court judges do not get involved in loss mitigation efforts. I suspect your reference to refinance was to a...
Archived
Can I reinstate a bankruptcy case that I file per se and let it dismissed because I have more the 1.1 million in assets?
Stephen's answer
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Answered on October 07, 2014
After April 1, 2013 the limits increased to $383,175 for unsecured debt and $1,149,525 for secured debt. If you exceed these limits the U.S....
