To levy on an out-of-state bank account the creditor would first need to know about it. Assuming the creditor had somehow obtained knowledge of...

Bankruptcy? I have a home I'm trying to short sell, but it's already in default and at risk of foreclosure...

A foreclosure locks you out of getting a conforming mortgage for five years, so for some people there is a calculation they need to do--it may make...

Why would a life issurance company ask beneficiary to send mortuary billing along with death certificate?

Your late mother's debts are unlikely to come out of life insurance proceeds. There may be an oddball situation or two where a portion of a whole...

Had my truck repoed a year ago. No employment since. They want to garnish wages if I start working. this will break the bank.

Bankruptcy may be an option for you. Your wife should not have to worry about garnishment unless she was joint obligor on the truck loan....

My husband passed away 4 months ago & left me with credit cards debt, debt only in his name but am a user as well.

It may be legal for them to do if you used or benefited from the card, but chances are they'll have a hard time proving it.

I had a judgment entered in Jan. of 2000. What can I do to remove the judgment from the record?

If a judgment is expired and cannot be revived, title companies will ignore it in the closing process. My concern is that you may have looked...

If I sent a collector\law firm who claims to work for OC a DV letter, never get response, why is new firm contacting me?

Your DV is applicable only to the collector who received it. The new guy needs a new DV.

I obtained a house via foreclosure, moved in and have made payments on the existing first mortgage. Have I assumed the loan?

You need to review the entire mortgage, which should be on file at your county clerk's office. Chances are it includes the usual "due on sale"...

You're using a technique that a lot of debtors use. Since you don't have an "account" it's not anything the creditors can levy on. They could...

What to do with my car?

Assuming it reports correctly, a voluntary repossession looks a little better than an involuntary repossession (particularly on manual review).