Questions answered by Michael A. Goldstein

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What steps do we need to take? My daughter recieved a phone call from a debt collector saying she owed on a credit card from the

Michael's answer | Answered on August 20, 2012

In general the answer is no, if the debt is that old and the statute of limitations has run then there is a very good affirmative defense. ...

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I had an agreement wiyh chase credit card to pay 50.00 a month auto debit. They chose to quit taking my money and now are callin

Michael's answer | Answered on August 19, 2012

This seems a little strange if you already had an agreement in place with Chase. Was the agreement reduced to writing, even an email? If you have...

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I settled a debt with collection agency in court in front of a judge. I tried to make my first payment and they said my account

Michael's answer | Answered on August 16, 2012

It could mean a lot of things in the world of creditors. However, generally it means that the case was pulled from the lawyer's office and being...

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I charged on a friend's cc but now i am in desperate measures and can not afford all these bills. can i file bankruptcy?

Michael's answer | Answered on August 16, 2012

You may file bankruptcy. However, you will receive a discharge of all debt including liability owed to your friend but your friend will still be...

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If my soon-to-be ex-husband files bankruptcy and i don't, what could happen to me?

Michael's answer | Answered on August 16, 2012

As long as you kept your cards separate, you should not have to worry about your ex-husband's filing a bankruptcy case. However, if you were an...

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What is penalty for a lender that has violated the auto stay?

Michael's answer | Answered on August 10, 2012

You filed a Chapter 7 case and received a discharge of all liability personally including your mortgage debt. So you do not have any personal...

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Bankruptcy question regarding assets

Michael's answer | Answered on August 09, 2012

This is a case where you really need to plan properly as to the timing of your filing as well as who you can pay, how much you can pay and when you...

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Can a collection agency contact my employer to verify my employment.

Michael's answer | Answered on August 08, 2012

If you inform the debt collector not to contact you at your place of employment or to not contact your employer, they can not pursuant to the fair...

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We are foreclosing aug 30th. My mother in law suggested filing ch 13, if we did that would our mortgage payments be reduced

Michael's answer | Answered on August 06, 2012

Filing a Chapter 13 bankruptcy will have no impact on your first mortgage payment. In fact, what will happen is that you will need to propose a...

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Keeping Your House in NJ

Michael's answer | Answered on August 05, 2012

The key question to ask is whether you have arrears on your mortgage and whether you plan to cure them through the Chapter 13 Plan. If you are...

Michael A. Goldstein's Answers (830)

What steps do we need to take? My daughter recieved a phone call from a debt collector saying she owed on a credit card from the

I had an agreement wiyh chase credit card to pay 50.00 a month auto debit. They chose to quit taking my money and now are callin

I settled a debt with collection agency in court in front of a judge. I tried to make my first payment and they said my account

I charged on a friend's cc but now i am in desperate measures and can not afford all these bills. can i file bankruptcy?

If my soon-to-be ex-husband files bankruptcy and i don't, what could happen to me?

What is penalty for a lender that has violated the auto stay?

Bankruptcy question regarding assets

Can a collection agency contact my employer to verify my employment.

We are foreclosing aug 30th. My mother in law suggested filing ch 13, if we did that would our mortgage payments be reduced

Keeping Your House in NJ