At the beginning of the week I filed for Chapter 7 on my own through the court. I just found out since I have a car loan it would have been a better idea for me to have filed Chapter 13. Would it be better for me to get a lawyer even though I fil...
You are allowed to convert a case from a chapter 7 to a chapter 13. This blog post may provide some guidance for you. Best wishes.
We were behind on our mortgage payments (going thru divorce). The bank STARTED the foreclosure process. We stayed in constant contact with the mortgage company and they kept extending our time, they knew we had it up for sale and was desperate ...
I think it would be worth putting this in the dispute process to see how it goes. In your dispute letter, make sure you include proof of paying the mortgage off in full. This blog post will explain the process to you. Best wishes. https://www.bondnbotes.com/2016/03/25/properly-fix-credit-report-error/See question
I was robbed in 2005 and so many accts were opened. I went to court for several and somehow missed the court date on this one. Any who they got a default judgement on 12/3/2009 and have begun to garnish my wages a couple months ago. This accoun...
You are in a tough situation. Under the best fact pattern, you only have 3 years to try and vacate a judgment and that is only if you can show fraud. This blog post explains judgments in Alabama. http://www.bondnbotes.com/2013/02/21/what-is-a-judicial-lien/ You may want to consider a bankruptcy filing which would stop the garnishment immediately. Best wishes.See question
Just cashed out my paid time off shortly after this garnishment took effect, just wondering how much of it can they legally take?
This blog post may help answer your question. Best wishes.
I filed chapter 7 in Aug of 2010 and it was discharged in Nov of 2010. My mortgage was included in the bankruptcy and shows on my credit report as discharged in chapter 7. But upon applying for a home the mortgage company (BOA) shows that the loa...
This BondandBotes.com blog post about correcting credit reports after a bankruptcy will give you information on how to get started. Best wishes.
accident coudnot pay for auto repair judgment against for $4000.00, cant get lic. until I pay judment
This blog post should help you. Best wishes.
A couple of years go I asked a banker for a personal loan. The banker gave me the wrong kind of loan. It was hurting on my credit reports. I can't get it removed. I have talked to the bank manager and senior correspondence specialist about it. Bot...
If you have a bona fide dispute to something that you think is incorrect on your credit report, this blog post gives you detailed steps on how to go about getting it corrected. Best wishes.
I received a letter from Trident Asset Management, L.L.C., based in Atlanta, GA, claiming that I owed $630 from a check that I had supposedly written out to a casino in Wetumpka, AL, to withdraw cash on 12/2/11. After receiving the letter, whi...
This blog post will give you some ideas on how to stop this collection harassment. Best wishes.
I got paper work saying that my wages were going to be garnish. This is something dating back to 2001. That is what the paper says. I never got served or went to court until now. What are my rights?
This is a complicated question and you would be well-advised to find a consumer lawyer to assist you. You can find one at www.consumeradvocates.org Go to the probate office of your county and find out if a judicial lien has been filed against you. These blog posts will give you additional information. Best wishes.
In process of filing Chapter 7 due to credit card debts in collection. Wondering how this will affect my ability to get hired for federal position that I am qualified for. Position requires security clearance and ability to obtain government cre...
This blog post should help address your concerns. https://www.bondnbotes.com/2016/05/02/financial-issues-security-clearance/