Archived
Can a attorney representing someone else legally contact you for a payment arrangement through a email?
Bruce's answer
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Answered on June 29, 2018
As long as you don't have an attorney of your own, then yes, they can contact you directly. You can demand that they not contact you at all, or you...
Archived
Does a collections agency have to notify you of a judgment before they can start levying your bank account?
Bruce's answer
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Answered on June 26, 2018
Reading between the lines, I'm guessing that you were served with lawsuit papers, and that you either went to court or contacted the plaintiff's...
Archived
How will a voluntary surrender of a vehicle effect my financial situation as far as credit reporting etc.?
Bruce's answer
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Answered on June 11, 2018
I agree with the other answer, but would add that surrendering the car now should have no new effect on your credit rating. That already happened...
Archived
Hoiw must I respond to a civil summons?
Bruce's answer
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Answered on June 10, 2018
The forgiveness described in the other answer does not apply here. NCSLT only handles private loans, and on top of that they have a nonprofit...
Archived
Can I get a credit card while on bankruptcy?
Bruce's answer
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Answered on June 02, 2018
It happens, but it's not supposed to. Our chapter 13 trustees are very strict about enforcing their rule that a person who is in an active...
Archived
Can a judge divide a joint collection?
Bruce's answer
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Answered on May 22, 2018
Yes and no. You can certainly sue your two friends (?) and have a judge rule that they have to pay their fair share. But that won’t change...
Archived
Had a title loan. 5/11/2018 my car was taken by them
Bruce's answer
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Answered on May 10, 2018
In general I agree with the other responses. The title lender did have the right to repossess the car, and the only two ways to get it back are to...
Can a vehicle be seized after a judgment has been made on a medical bill in Tennessee?
Bruce's answer
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Answered on April 30, 2018
Yes, it is certainly possible that the judgment creditor could have the sheriff seize your car. In west Tennessee that almost never happens, unless...
What do you do when you discover a judgment lien long after you filed bankruptcy? Your bankruptcy case is closed and discharged
Bruce's answer
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Answered on April 28, 2018
Most judges, but definitely not all, will let you reopen the bankruptcy case specifically to file a motion to avoid that lien. Go back to your...
Archived
Can a company sue for a debt without attempting to collect ?
Bruce's answer
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Answered on April 26, 2018
The short answer is "yes." There is no requirement in the law that they give you any sort of warning before filing suit. In fact, some creditors...
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