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MY HUSBAND AND I RETAINED A BANKRUPTCY LAWYER 2 YEARS AGO ALTHOUGH WE HAVE NOT ACTUALLY FILED YET. CAN MY CREDITORS OR THE
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Answered on June 03, 2011
You may want to give serious consideration to filing a Chapter 13 instead of a 7. In a 13 you do not lose any assets to the trustee. None. You...
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What are my options for letting a rental property go into foreclosure without them coming after my primary residence?
Charles's answer
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Answered on June 02, 2011
It's true that if the house doesn't sell for enough to cover the mortgage, you will be stuck with a deficiency. But I have never seen an Ohio bank...
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What can a law firm representing a credit card company legally go after for a debt?
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Answered on June 02, 2011
Relax. You live in the land of the free and the home of the indebted. It's almost patriotic to owe money. In the US you can not be imprisoned...
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Can your credit score affect you when applying for someone?
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Answered on May 31, 2011
Please post a little more info. Are you applyng for credit or a job? Do you need a security clearance? Yes, your credit score can affect all of...
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Should I Pay Oregon Civil Demand to Urban Outfitters?
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Answered on May 31, 2011
In Ohio, it does no good to pay these civil demands. The stores ALWAYS file criminal charges anyway. If you don't pay, they file. If you do pay,...
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Filing chapter 7. How easy to get a Record of Acct from the IRS. I think some of my tax debt may be dischargeable. 2006-2009
Charles's answer
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Answered on May 31, 2011
Easy way to get your tax info. Go to www.IRS.gov. When the screen pops up, raise you right hand and put it on the screen. Now look under your...
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Debt collection and credit ding
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Answered on May 31, 2011
This does not sound like your usual country club. What kind of club was it? Have you filed criminal charges? Why not? What do you plan to do...
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How long can the university hold a check and then demand payment?
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Answered on May 31, 2011
You need to explain your situation a little better. Did the university hold your check for 2 years and then attempt unsuccessfully to cash it? Or...
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I just received a "settlement offer" requesting that I make a payment of ~$500 after a second charge of petty theft.
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Answered on May 24, 2011
Mr. Dane is correct. The people pursuing have no better ethics than the people they pursue, in my opinion. Probably worse. They will take your...
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We discharged a ch7 bk in May 2009. Our mortgage (and 2nd) were not reaffirmed, but rather put into an 'other' status:
Charles's answer
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Answered on May 24, 2011
Yes, it's true. You can just walk away from the house, if you have not reaffirmed on it. You should return the keys and advise the lender before...
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