If I owe monies on a 2 year old loan, can they garnish my SSI money from social security

No Social Security income is exempt from garnishment for this. And payday loans are evil.

Is there any benefit to waiting to declare chapter 7 bankruptcy in the new year? Versus December of this year?

There are some minor paperwork changes taking place December 1. Otherwise no changes on the horizon, your decision to file should not hinge on...

Can I file Chapter 7 Bankruptcy now?

Just because you are "over" the median does not mean you can't get a discharge in Chapter 7. You will most likely "pass" the means test once it is...

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Do I have enough for a harassment case against a debt collector who is now trying to sue me? Just got the summons today!

The most important thing is that you contact a consumer attorney today. Use AVVO to find an attorney or use the link below. If you do not take...

I filed ch 7 bankruptcy and a creditor objected. After several status conferences, we finally settled.

I would review this with your Chapter 7 attorney. This sounds like the creditor filed an adversary to contest the discharge of the debt due to the...

Can I submit student loans to a Chapter 13 bankruptcy?

You must list all debts in your bankruptcy. Whether or not it is subject to a discharge is a different matter. Educational loans, generally, are...

Violation of the Fair Debt Collection Act. Written Proof

There are limitations on third party disclosures of the existence of a debt. To review your options, find a consumer attorney on AVVO. Or use the...

I did not reaffirm my mortgage on my house because I could not afford the attorney fees < can I reaffirm myself no att.

Reaffirmation of debt, especially of a mortgage, is not required under bankruptcy law. You should not do so without a complete understanding of...

What does a email or letter have to contain if it is regarding g collecting a debt to be in compliance with the fdcpa?

I would be very suspicious of an email attempt to collect. Especially if you have never had a credit card with them. So vet it thoroughly. To...

We're behind on car payments and bank agent called and said "this is the last day!" and It scared me. Is it harassment?

No I don't think so. There statement was not false because you do get your car repossessed if you don't make the payment on time. The bigger...