I own my house outright. Can creditors place liens on my house for unpaid debt?

Yes. first they have to sue you in civil court, obtain a valid judgment, and then proceed against your assets. If your house is worth less than...

If you have a valid judgment, you can subpoena the defendant to court for a judgment debtor exam. Hire a process server to serve the defendant the...

In California, are both spouses liable for the IRS debt of either spouse if the file separately. I want to file bankruptcy.

The stars must be in alignment to discharge tax debt. Typically over 3 years from you file for bankruptcy, and no levies or assessments. You...

Can a debt collector sue me in a county other then where i live,and can i appeal a judgement that is not in my favor

You were probably served at you last known address. With that being assumed, I doubt there is good service on you yet unless you either personally...

Debt discharged in bankruptcy on credit report and effected interest rate received for home mortgage

This is a two part answer. First the mortgage broker indicated in "may" have effected your interest rate. That is important because other...

Reaffirming a home loan after the Bankruptcy has gone through.

In Ohio in the Southern District, cases will not be reopened to file a reaffirmation agreement unless the circumstances were extraordinary to need...

A company called me, told me that they have a client, payday loan co., that told them that I borrowed money and never paid it

First gather as much paperwork in regard to the loan documents. Dispute the debt in writing via certified mail return receipt requested and also...

Divorce decree has typo on name of company debt to be paid by ex. The company name is mispelled.

The first question is the ex not paying that debt. If his defense is that there was a typo, hire an attorney to file a Motion to Amend to the...

What constitutes legal proof of service to a defendant for a debtors examination hearing?

My advice is to hire a good process server to track him down. Once that process server hands him the envelope, he is served. If he does not show...

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When you receive the Garnishment notice with that language, they are typically attempting to seize cash assets, your ie.bank account. You should...