Questions answered by Thomas John Cesta

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If I'm being sued for a car accident, can they win a paid-off house and car, take my spousal-support, retirement fund, and SS?

Thomas's answer | Answered on July 02, 2015

Everyone has already told you how important it is to turn this over to your insurance company, and also that you should not post the facts in this...

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Will bankruptcy help me or be possible?

Thomas's answer | Answered on June 18, 2015

Yes, bankruptcy is an option. I agree with the other attorneys that you need an in-office consultation to get full information on how it will work...

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When does my employer have to start withholding funds for a garnishment?

Thomas's answer | Answered on June 11, 2015

No. It is exempt. The employer's error does not change Arizona law that exempts 75% of your disposable earnings.

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Cannot continue to make motorhome payments and keep up with living costs. what are my options.

Thomas's answer | Answered on April 21, 2015

I agree with Mr. Hall. What you should do depends on what the source(s) of your income is (are), and what assets you have. It may also depend on...

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Should I ask a judgment creditor to waive interest, settle or lower the money judgment debt that I cannot afford?

Thomas's answer | Answered on March 27, 2015

Based on the information you give here, they may be quite willing to negotiate a settlement because you are uncollectable. And you should not let...

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Would it be better to file bankruptcy than to make installment payments on a $8000 money judgment? which is best?

Thomas's answer | Answered on March 27, 2015

Social security cannot be garnished. You should meet with an attorney to discuss helping you with negotiating the judgment, or advise you regarding...

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Title Company refuses to accept vacated judgment from court and insists they will not issue title ins on a lot I am selling.

Thomas's answer | Answered on March 12, 2015

There are two issues to consider. First, the lien issue. The Title company is looking in the County Recorder's office. A new company may solve the...

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Should I settle with the at-fault drivers insurance settlement offer?

Thomas's answer | Answered on March 12, 2015

From the description, it sounds like they are taking advantage of you because you are not represented. You should definitely consult with an...

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Do I have a any legal standing ground with written confirmation?

Thomas's answer | Answered on February 17, 2015

You may have a claim for detrimental reliance, depending on whether your reliance was reasonable. this may depend on who sent the email to you,...

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How can I pay off half of a shared collections debt?

Thomas's answer | Answered on February 12, 2015

The leasing company may agree to settle the entire debt for some amount less than the total. If you can resolve the entire debt, then your...

Thomas John Cesta's Answers (532)

If I'm being sued for a car accident, can they win a paid-off house and car, take my spousal-support, retirement fund, and SS?

Will bankruptcy help me or be possible?

When does my employer have to start withholding funds for a garnishment?

Cannot continue to make motorhome payments and keep up with living costs. what are my options.

Should I ask a judgment creditor to waive interest, settle or lower the money judgment debt that I cannot afford?

Would it be better to file bankruptcy than to make installment payments on a $8000 money judgment? which is best?

Title Company refuses to accept vacated judgment from court and insists they will not issue title ins on a lot I am selling.

Should I settle with the at-fault drivers insurance settlement offer?

Do I have a any legal standing ground with written confirmation?

How can I pay off half of a shared collections debt?