Questions answered by Blake Owen Brewer

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If this person is calling about a debt, can they really use that term instead of "This is a communication from a debt collector?

Blake's answer | Answered on February 09, 2016

Big scammers make big lies. And this sounds like a scam. Read more at the link below about how to spot a scammer who is attempting to collect a...

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Can I get rid of this student loan debt since Ai is a fraudulent school? Can I join the class action lawsuit?

Blake's answer | Answered on February 09, 2016

Fraud is a difficult burden to establish if you are suing them. Student loan debt goes into one of two categories, private or federal. You need...

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I received a workers comp award of $12,000 last December. How does this go into the means test?

Blake's answer | Answered on February 09, 2016

I think the bigger question is "where the heck did that money go?" But hire an attorney. They can explain where this goes on the means test.

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How do I handle this. Is it a scam?

Blake's answer | Answered on February 09, 2016

Be aware that payday loan scams are rampant. Here is a link (below) to an article I wrote about how to spot them and what to do about them. Don't...

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I need advice on what is type of bankruptcy I can file and what can I file on. What is dischargeable.

Blake's answer | Answered on February 09, 2016

Here is an article I wrote (link below) about the two most popular types of consumer bankruptcy, and the nature of each one. However your marital...

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Will the bankruptcy court be able to garnish my social security check since I can't pay any other way?

Blake's answer | Answered on February 09, 2016

Social security income is exempt from normal collections. Exceptions would include federal student loan debt. So you will have to consult with...

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How can he find out who did this and is it legal. He is worried about his part time job paycheck. He is a full time student.

Blake's answer | Answered on February 09, 2016

He needs to consult with a consumer attorney in his locality to determine if it was "legal." If he was truly never served with a copy of the...

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Do you have to put redacted account numbers as a part of your addresses? Or will the court give them enough info, (e.g., ss#)?

Blake's answer | Answered on February 09, 2016

You need to have an attorney prepare the documents. This is one of the lesser questions you will have, although if you guess wrong and put the...

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Lawsuit debt is not consumer or personal in type so when considering bankruptcy are u excluded from the means test?

Blake's answer | Answered on February 09, 2016

The means test applies for "consumer" debts. If you are thinking about filing for bankruptcy protection you will need the assistance of an...

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When can I file for another chapter 7 in efforts to receive a discharge? Is it 7-8 yea by the first file date or discharge date?

Blake's answer | Answered on February 09, 2016

Here is a link (below) to an article I wrote about getting a discharge to your debts based upon previous bankruptcy filings. For Chapter 7 it is...

Blake Owen Brewer's Answers (4091)

If this person is calling about a debt, can they really use that term instead of "This is a communication from a debt collector?

Can I get rid of this student loan debt since Ai is a fraudulent school? Can I join the class action lawsuit?

I received a workers comp award of $12,000 last December. How does this go into the means test?

How do I handle this. Is it a scam?

I need advice on what is type of bankruptcy I can file and what can I file on. What is dischargeable.

Will the bankruptcy court be able to garnish my social security check since I can't pay any other way?

How can he find out who did this and is it legal. He is worried about his part time job paycheck. He is a full time student.

Do you have to put redacted account numbers as a part of your addresses? Or will the court give them enough info, (e.g., ss#)?

Lawsuit debt is not consumer or personal in type so when considering bankruptcy are u excluded from the means test?

When can I file for another chapter 7 in efforts to receive a discharge? Is it 7-8 yea by the first file date or discharge date?