Archived
My husband is going to do the debt consolidation for his own credit cards debts. We have small joint mutual funds.
Charles's answer
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Answered on September 09, 2013
Do NOT use your retirement savings to try to buy your way out of debt. These funds are mostly exempt in a Chapter 7 Bankruptcy. So, don't use...
Archived
Will I be arrested in Texas for failure to pay payday loan?
Charles's answer
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Answered on September 09, 2013
Relax. You are not going to be arrested. We have long since abolished imprisonment for civil debt in America.
You have not written a "bad"...
Archived
I have a judgement on my credit report but was never served a summons?
Charles's answer
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Answered on September 09, 2013
You should start by going to the court where the judgment was taken and get a COMPLETE copy of the court file. There is a small charge for...
Archived
I was summons to court from another state because I went into default with my student loan
Charles's answer
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Answered on September 08, 2013
Get in contact with the Plaintiff's attorney and any other contacts that you can reach at the college. Explain why you fell out of contact with...
Archived
Why is it that in Ohio once you foreclose(I'm the plaintiff) on a property you have to get a sheriffs appraisal?
Charles's answer
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Answered on September 08, 2013
I am not sure just who you believe would be a proper party to appraise property going up for sheriff's sale. Certainly not the Plaintiff?
If...
Archived
Debt validation question, received wrong info.
Charles's answer
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Answered on September 08, 2013
You should understand, if a credit reporting agency cannot validate a certain debt, that only makes that debt uncollectable, not invalid or void. ...
Archived
Hearing in front of clerk for foreclosure, should I bring up that the signature on the promissory notes do not match?
Charles's answer
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Answered on September 08, 2013
What you really want to do is question the present Plaintiff's "ownership" and right to foreclose on the original promissory not that you signed...
Archived
2 Q's: Once you have a Debtor's Exam, can you ask for a copy of the Debtor's Income Tax Refund for previous and upcoming year?
Charles's answer
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Answered on September 08, 2013
The short answer is that you may ask for a copy of the debtors' tax return for a certain year. But there is no way for an ordinary creditor to...
Archived
Default judgment
Charles's answer
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Answered on September 06, 2013
A Delaware collection attorney can answer your questions best. Just assuming that this other company has money standing in an account in the...
Archived
I have a garnishment for a credit card. a judgement was issued against me in 08/01/2005.
Charles's answer
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Answered on September 06, 2013
I am not qualified to practice in Virginia, but I suspect that there is a form in the garnishment materials that you received to be used to request...
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