We did not reaffirm our home after our Ch7 discharge but still paid on the loan. Can we walk away & still qualify for a new loan

Talk to a different mortgage broker, one that handles FHA. You will qualify for an FHA loan TWO years after your discharge, as long as your...

I am the defendant in a Chapter 7 bankruptcy where the corporate officer of a company has filed another lawsuit in another state

I am sorry, your question is confusing. Are you the debtor or a creditor? Is the Company the debtor or a creditor? If neither of you is the...

Can you keep construction work truck w/tools of trade exempt from (chapter 7) and also keep 2 means of transportation allowed?

What you can list as exempt and what you can keep not only depends on more factors than you have stated (i.e. Joint filing?, liens against...

I have a slightly different perspective than my colleagues. The refund is an asset of the bankruptcy estate, but it could be exempted. ...

Does a Medical Office have to first provide a mailed copy of an alleged debt to the patient before going to collections?

A 3rd party collection agency must comply with the FDCPA (Fair Debt Collection Practices Act). Under this law, if you demand verification of the...

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I'm I obliged to pay the emergency room bill when I was sent there for no reason

Yes, you are likely liable for the care. If you had acted soon after the hospitalization, you may have had a claim under state law you could file...

Legal issues

They can; but to garnish the bank account, they have to get a judgment first. That means that they have to file suit, serve you, then get a...

If current garnishment is 25% of salary, can a 2nd garnishment be taken? I understood the 2nd has to run concurrent with 1st.

Consecutive, actually. The first garnishment will be satisfied in full before the second one begins. No more than 25% of your disposable...

How long do I have to cancel a contract with no penalties in the state of AZ

maybe yes, maybe no. It will depend on the full terms of the contract, and the purpose of the contract, and also whether the failure to notify...

You are still within the Statute of limitations. A promissory note is a form of contract, and the Statute of limitations for written contracts in...