Is he liable for this debt

Yes when you sign a contract you become liable to perform under the contract. Some states have a "cooling off" period for certain types of sales,...

In Chapter 13, how does the petitioner calculate what is owed to the auto lenders in the repayment plan?

The odds of you successfully preparing a filing a Chapter 13 bankruptcy on your own do not run in your favor. Your plan of debt re-organization...

Can you include student loans in a ch#7? If the bankruptcy was already filed and discharged can it be opened back up?

Please review carefully with the attorney who filed your Chapter 7 bankruptcy. You were supposed to include ALL of your debts, whether they were...

What are my options

The fact the you co-signed on a student loan indicates that this is a private student matter, as opposed to a federal student loan. There is hope....

Filing for bankruptcy may give you a fresh start. Assuming the wage garnishment is from a consumer debt of the type which is discharged in a...

Is it legal for them to call my place of work for this reason?

Debt collectors are regulated by a federal law, the Fair Debt Collection Practices Act. It prohibits debt collectors from calling you at work, if...

Can a creditor levy my bank account or garnish my wages?

You are liable for the deficiency between the sale price (it won't be the fair market value) and the amount you agreed to pay, plus interest. They...

What law or legal code can I reference when contacting this customer, so that she will realize she has actually broken the law?

You need to retain a debt collection attorney to make sure that you comply with the law when collecting on consumer debts. If you think that you...

Can I set up a payment arrangement

You can settle with the Plaintiff on whatever terms you work out. It is not realistic to assume that this will dismiss the case, more likely a...

Am I able to file a Chapter 7 bankruptcy with no Tax Returns or Pay Stubs because I have been unemployed for the last 2 years?

The Bankruptcy Code specifies what type of income tax return should be provided in your exact scenario. There is an affidavit you can file...