If you co signed, then it's your debt. Everyone qualifies for an income based federal student loan. Find an attorney who represents consumers in...

What can I do if a company is about to sent me to a collection agency. And they never notify me at all that I owe them.

You have to sit down and read the contract you signed. Take time to really read it. You will not be happy once you understand how unfair it is. ...

What can I do to get this corrected or can I sue for the deed?

It is very common NOT to reaffirm on a mortgage. I have never done one in hundreds and hundreds of Chapter 7, it is normally a very bad idea. ...

Social Security cannot be garnished. Why would you want to give them money if they can't take it from you? Consult with Legal Aid Society if you...

While it is possible that your mother is "judgment proof" you should review the details with a consumer attorney. I don't think that the FDCPA...

When a person declares bankruptcy, can student loans be included in this

You must list all debts. So the student loans are included in your schedule of debts. However, student loans are not eligible for an automatic...

How can i avoid being sued for an unpaid debt?

You have to wait 8 years from your previous Chapter 7 filing to file another Chapter and get your debts discharged. If you are being sued now you...

Ho do I stop a collection agency from trying to collect on a debt that has been paid?

If you are a consumer, and this is consumer debt, you have rights with debt collectors, including the right to have them validate the debt, and the...

How can I get items off my credit report? I have tried myself but they are still on there.

I don't think you can remove accurate and truthful information from your credit report. It is effecting your credit because you defaulted on your...

I'm trying to file for Bankruptcy Chapter 7 in Oregon, but make $11 over the means test.

You may not be calculating the means test correctly. An experience Chapter 7 bankruptcy can perform the test for you, to see if you have...