Archived
I have been in a chapter 13 plan for 36 months and the trustee filed for dismissal due to I did not send my tax return for 2012
Melissa's answer
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Answered on June 12, 2013
Contact your attorney immediately to see whether this can be fixed. The Courts are normally more lenient about fixing problems that are more...
Archived
My mom transfered her car title to me but then 2 months later she died of a stroke and I discovered she had credit card debt and
Melissa's answer
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Answered on June 12, 2013
As long as there were no lawsuits pending against your mother by the credit card companies at the time she transferred the property, there should...
Archived
Can they obtain a summary judgement after not providing proof within 30 days?
Melissa's answer
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Answered on June 11, 2013
What was your purpose in sending the letter? Did you genuinly think you didn't owe the money or were you trying to buy time? At this point, you...
Archived
Can I safely "go back" on my agreement with a collection agency and instead send smaller, regular monthly payments?
Melissa's answer
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Answered on June 05, 2013
It depends on what you mean by safely. You can always revoke an authorizatio to debit a bank account. As a practical matter, however, it is...
Can wage garnishment be enforced on an independent contractor who only gets paid by commission if they sell something.
Melissa's answer
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Answered on June 05, 2013
Yes, anyone who is holding funds on your behalf or who is holding money due to you may be garnished. Thus, your bank can be garnished, an...
Archived
Work is changing to not optional direct dep. Being garnished 25%. 2nd garn coming in soon. Can either empty checking acct?
Melissa's answer
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Answered on June 05, 2013
If the garnishment is filed against your employer, it will have no effect on your bank account. Your employer is only obligated to withhold funds...
Archived
I'm going to file a Chapter 7 bankruptcy , I bought an expensive car in 2012 but no longer can afford it, can it let it go.
Melissa's answer
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Answered on June 05, 2013
If your plan is to let the car go back to the creditor, you should be able to include it in your bankruptcy. Including "new debt" in a bankruptcy...
Archived
Have a judgement on cc debt $4000.00. What about keeping my car & home? What todo next?
Melissa's answer
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Answered on June 05, 2013
Your income from social security is protected from garnishment by creditors, however, if you have equity in your home or your car, these items of...
Archived
Right of redemption on real property after bankruptcy.
Melissa's answer
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Answered on June 05, 2013
Whether you can sell the property depends on how it was treated in your bankruptcy. Just because it is "still in your name" does not mean you have...
Received a trial payment plan for a loan modification on 12-12. I rejected the plan because the payments were too high
Melissa's answer
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Answered on May 20, 2013
If the mortgage company will allow you to reapply, you can always reapply for a loan modification. I have found that most mortgage company's loan...