Sallie Mae is causing me financial hardship, increased anxiety and refuses to work with my repayment plan. What can be done?

Consider filing a Chapter 13 bankruptcy. A Chapter 13 plan would propose to pay a percentage of the student loans off at 0% over 5 yrs. I know...

How can I stop getting bills from utility co. from house I vacated 2 yrs. ago. I paid up to date and let them know so now what?

Your feeling that this is "wrong" do not enter into the case. However, you mentioned that the house was "foreclosed" on. If this is true, then...

I am filing my own bankruptcy, I cannot afford a lawyer, when contacted by a creditor what should my correct response be?

The proper response is that you are not able to pay your creditors and you are using all of you money for court costs to file a bankruptcy. The...

No. Your 401k is exempt from attachment. Good luck.

I was served with court papers of a civil action regarding an unsecured credit card that I had in Oct. 2010.Can they do this?

Sure, they can sue. But you don't seem to have any assets to collect from. Your home is gone. Your Social Security and pension are totally...

In Washington state can debt collector garnish 25% of my wage and freeze my checking account at the same time?

Sad to say, the answer is yes. The can attach both wages and bank accounts. A good bankruptcy attorney could be of enormous assistance right...

What time-line can I expect if my private student loan becomes delinquent?

Why not discharge all of your dischargeable debt in Chapter 7 and then file a Chapter 13 Plan to take care of the student loans? If you file a...

Outstanding expenses in Bankruptcy

To answer your question quickly, no one will pay the child support your ex spouse falsely claimed to pay. For the moment your child support will...

How do I respond (answer) a petition on a credit card debt. I dont know the wording for the state of Iowa

Try this. Stop by the clerk's office and ask to see a civil case where an answer has been filed. Use it as a model and ask for a cc of the...

Who qualifies for a filing fee waiver?

Oh dear. You are not only about to file to waive the court costs, you are going to file a bankruptcy petition without an attorney. Aren't you? ...