I have a bankruptcy that has been discharged for 4 years now.

Based upon your description, assuming you are current on present debts and your job/income situation is stable, you shouldn't have much difficulty...

IF a credit card company takes a lien on your home and it has been 9 years and you havent heard from them (live in Alabama)...ca

In Alabama, if a judgment is entered against you, the creditor who got the judgment can do several things as far a trying to collect on the...

How do I get an inaccurate item removed from credit report?

The Fair Credit Reporting Act (FCRA) is a complicated law. It controls everything that can be on a credit report and also dictates how erroneous...

I never received a formal notification from Collection Agency and was never informed I could dispute the debt.

The Fair Debt Collection Practices Act (FDCPA) is the law that proscribes what third party debt collectors cannot do in attempting to collect a...

If my husband and I file chap.13 does it ruin our credit? Also he has a 401k will the court make him cash it in?

Before you touch the 401k, you really should talk to a bankrupcty lawyer first to explore all of your options. You can find one at www.nacba.org...

Bankruptcy question

Please get with your bankruptcy attorney to review the means test. You should know at the time of filing whether you qualified for a chapter 7...

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Filed ch 13 bankruptcy Dec 2010 - does this mean I will never be able to have property in my name again?

This is a question that you definitely should discuss with your bankruptcy lawyer. I see no benefit and only potentially great harm if property is...

What is the best way to repair my credit?

In Alabama, if a judgment is entered against you, the creditor who got the judgment can do several things as far a trying to collect on the...

What can happen? Can I go to jail? What do i do?

As long as you did not obtain the card illegally but you simply got it and used it and could not pay it, that is not criminal fraud so you can put...

Can a Law Firm prosecute criminally or attempt to sue on behalf of a Pay Day Loan company after 8 years, what should I do?

Be careful with your approach here. I would not give out any credit card or debit information. Many times these companies turn out to be phantom...