I had a bogus judgment filed against me in 2007. bankruptcy discharged Aug. 25, 2008. They just re filed the judgment. can they?

The bankruptcy did not avoid the lien, but the underlying debt was discharged. I believe that the act of renewing the judgment is a violation of...

If you sold the collateral, Ms. Bunce is correct about the creditor having to decide if it is worth it to them to file the adversary proceeding. ...

How much can you be garnished at once?

Federal law exempts 75% of your wages. Thus, the student loan lender will be required to wait until the first company is paid. After that,...

Can I include promissory notes in bankruptcy? These notes were for investments but they did not work out. I read I could...

There is no way to answer your question because what you may think was no illicit actions on your part might be interpreted differently. There is...

Balance transfers if bankruptcy may be in the future, please see details.

The problem is caused by the that she paid the debt of an insider, which could possibly be considered a preferential transfer for your benefit. ...

Equity under house on bankruptcy, please see details

Ms. Wesley made a great point. I always suggest to potential clients that are calling about making an appointment that both of them should come to...

I have a alledged debt on my credit report that I deny I owe. Sent letter requesting validation that I owe them anything.

You should be able to qualify for a house mortgage with a 739 score if your income to debt ratio is acceptable. However, that does not mean you...

I am a disabled vet and am drawing ssa payments however I have an overpayment of $32000.00 and I owe the irs $4000.00 can I add

I normally agree with everything Mr. Elie says on here. However, I disagree with his comments about the setoff. A creditor is entitled to...

If I retire and need to file Bankruptcy on my house can/will the bank hold me liable for the balance?

Ms. Bunce is correct again. If you have any equity in the house, you need to try to sell if first. However, if you are upside down and after...

Hello, A collections agency left a FOTTI message on my cousin's voicemail. Do I have a case?

Like Ms. Straus, I have no idea what an FOTTI message is either. The only way to find out what FDCPA claims you may have is to take every letter...