I owe on a motor home loan from 2007 of about $50,000.00 and haven't made a payment since 2008.

The most important thing is to have the situation reviewed by local counsel. If you have not a payment since 2008, then any collections may be...

Bankruptcy rights?

I am sure a local bankruptcy attorney will review your case for you and provide options. You may want to consider doing that to get a second opinion.

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This is typically up to the creditor. Sometimes the creditor will require the payment of the cost of repossession, however, that may be a technical...

Who is responsible, third party travel agency, airline or me?

If you think you have a good claim and have a specific amount of damages, the cost of the plane ticket, then you can always proceed in small claims...

I am filing bankruptcy but being sued for one of the debts. I was summoned and due to "answer" in a week.

You should file an answer ASAP if you cannot get your bk filed for several months. If you have not hired an attorney to assist you on both of these...

I received a summons to be sued and wondering if its necessary to still file an answer with the court.

If you are going to be filing a bankruptcy, you may want to do that prior to the answer being due. That way you can avoid having to deal with a...

You have rights under both Federal and State law which prohibit abusive debt collections. You should consult with a local attorney for a free...

I got married October 2014. I have alot of credit only in my name. Can I file bankruptcy without my spouse knowing?

You can file without him. He will have to provide his paystubs, and the tax return from 2014. He may have to supply an exemption waiver as well....

What am I to do?

You need to have the letters reviewed by a lawyer ASAP. Many will offer a free consultation, so do not delay..

Defaulted on car loan leaving a balance (~$12,000). Recently the car was totaled for $4500. Does the finance co get the money?

The lien exists on the vehicle. The insurance carrier will not issue a total loss payment absent the title. The finance company will not release...