Questions answered by David Matthew Raulerson

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I have a collection agency continues to call me at work and the tens me that they are going to sent me to court

David's answer | Answered on July 23, 2015

Agree that this sound like a scam. Tell them to do what they are threatening and tell them, you are calling law enforcement. Making threats and...

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Can I delay a Chapter 13 bankruptcy discharge to avoid mortgage company from filing foreclosure? Payments are finished.

David's answer | Answered on July 22, 2015

Any arrears in mortgage payments would have been added to the Chapter 13 schedule of payments. However, if the regular payments were not made...

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My husband, my mother and I owned a house we are doing a deed in lieu of, my mother has died, is her judgement lien removed now?

David's answer | Answered on July 22, 2015

Was the house her homestead? You may want to consider a consent judgment with a deficiency waiver. That would allow the lender to foreclose the...

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I keep getting calls from Alliance One. They keep asking me to verify my last 4 of my ssn but I refuse.

David's answer | Answered on July 22, 2015

Youi can get the calls to stop. Consult a debt collection attorney to inquire about harassment under Florida's Debt Collection Practices law, the...

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I returned a merchandise, and the shop gave a check, when i went to the bank they have no funds. what should i do?

David's answer | Answered on July 21, 2015

It's a felony to pass a bad check of that amount. Either deposit it and use state attorney to collect or let them know if they don't make good,...

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Can a civil judgment against a person affect there spouse?

David's answer | Answered on July 21, 2015

I agree that the judgment holder cannot access the equity in the home. If the property is homestead and the proceeds are to be used to buy another...

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Can assests owned by married couple with wife completely not involved in accident, be taken to pay for claim

David's answer | Answered on July 20, 2015

No. But at times judgment holders may attempt to garnish a joint bank account and require to file a claim of exemption. If they do, consult a debt...

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Can a collection agency take my car if I owe 8 more years on it. And have a judgement against me for a credit card debt.

David's answer | Answered on July 20, 2015

You have certain exemptions from forced sale and it's not likely there is sufficient equity in the car to require a forced sale. Collection...

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Bankruptcy

David's answer | Answered on July 19, 2015

If the mortgage loans are current and you reaffirm the debt, you may be able to retain the home. Bankruptcies really require attorney involvement....

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I think I'm being scammed... Please help

David's answer | Answered on July 19, 2015

This is unlawful debt collection activity but it's likely the group is a zombie debt buyer out of Ontario, California. Threatening to sue on a time...

David Matthew Raulerson's Answers (1236)

I have a collection agency continues to call me at work and the tens me that they are going to sent me to court

Can I delay a Chapter 13 bankruptcy discharge to avoid mortgage company from filing foreclosure? Payments are finished.

My husband, my mother and I owned a house we are doing a deed in lieu of, my mother has died, is her judgement lien removed now?

I keep getting calls from Alliance One. They keep asking me to verify my last 4 of my ssn but I refuse.

I returned a merchandise, and the shop gave a check, when i went to the bank they have no funds. what should i do?

Can a civil judgment against a person affect there spouse?

Can assests owned by married couple with wife completely not involved in accident, be taken to pay for claim

Can a collection agency take my car if I owe 8 more years on it. And have a judgement against me for a credit card debt.

Bankruptcy

I think I'm being scammed... Please help