Questions answered by Scott Russell Needleman

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I paid a collector once, two weeks after another agency called saying I'm being summoned for payment for same card debt.

Scott's answer | Answered on March 23, 2014

Dis you get a release? If not, debt collectors are very ninja. If you pay the money without a release, you have a mess. You need to consult...

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My wife and I filed chapter 13 we received a letter from our mortgage co.

Scott's answer | Answered on March 21, 2014

You are not responsible for the debt but the lien will remain with the property.

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Private Student Loan Discharged in Bankruptcy?

Scott's answer | Answered on March 21, 2014

Google IBR. It is an income based repayment government program that calculates your payments based on your income. Student loans are very...

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Neal C. Tenen added a "civil penalty" to an amount I agreed to pay?

Scott's answer | Answered on March 20, 2014

If you settle this with the civil penalty, you should be very happy. You could have easily been charged with theft and pay attorney fees that would...

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A hearing to reduce the amt of a garnishment was passed over, due to an outstanding motion. Have I lost my chance to have it?

Scott's answer | Answered on March 20, 2014

Was the 60B motion filed with the appropriate headings and served on all necessary parties in interest? You have many issues, however, the 5 day...

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Can a credit union report the trustees car payments late in chapter 13

Scott's answer | Answered on February 23, 2014

This seems a potential FDPCA violation because the credit report should have it designated "in bankruptcy". Contact your attorney and also write a...

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If I have a judgment against a company but only assets they have are real estate ,how do I collect?

Scott's answer | Answered on February 21, 2014

First certify the judgment in the appropriate court. Then file a motion for a judgment debtor examination. This will force the debtor to show up...

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Question on foreclosure timing. We filed Chapter 7 in 2009. We were told to wait 3 yrs before looking for a new mortgage.

Scott's answer | Answered on February 18, 2014

There is no law in Ohio requiring a lender to foreclose on a house. Have you tried to contact the bank and see if they might do a deed in lieu of...

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I was in a chapter 13 bankruptcy but was forced to go chpt7. What is the time frame before I can claim a new bankruptcy?

Scott's answer | Answered on February 17, 2014

If you received a discharge it is 8 years from the date of the filing of your Chapter 13. You can file a Chapter 13, 4 years after the filing of...

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My question is on child custody.

Scott's answer | Answered on February 12, 2014

From the question it sounds like an awful environment. You need to consult with an attorney and then decide how to proceed. From the facts of...

Scott Russell Needleman's Answers (407)

I paid a collector once, two weeks after another agency called saying I'm being summoned for payment for same card debt.

My wife and I filed chapter 13 we received a letter from our mortgage co.

Private Student Loan Discharged in Bankruptcy?

Neal C. Tenen added a "civil penalty" to an amount I agreed to pay?

A hearing to reduce the amt of a garnishment was passed over, due to an outstanding motion. Have I lost my chance to have it?

Can a credit union report the trustees car payments late in chapter 13

If I have a judgment against a company but only assets they have are real estate ,how do I collect?

Question on foreclosure timing. We filed Chapter 7 in 2009. We were told to wait 3 yrs before looking for a new mortgage.

I was in a chapter 13 bankruptcy but was forced to go chpt7. What is the time frame before I can claim a new bankruptcy?

My question is on child custody.