I live in Indiana. I was in a 12 year relationship never married and my ex purchased a home. His name was the only name on the bank loan, but he put my name on the house deed. If the home goes into foreclosure will I be legally responsible for thi...
The foreclosure of his loan on his ownership interest does not affect your credit since you were not on the loan and if you were not on any other loans or joint obligations associated with the real estate.See question
I had a business creditor begin to try to collect from me personally through a personal guarantee through the courts. I responded to the court's request, with copy to the creditor's attorney, and said that I wanted an itemized statement of the deb...
There are certain requirements that have to be met for the FDCPA to apply and one is that the entity trying to collect the debt is someone other than the original creditor. It sounds like in your case that this IS the original creditor who is attempting to collect its own debt; thus the FDCPA would not apply in that case based on that alone.See question
I work at an airport was letting customers know of a cancellation they started be rude yelling and cursing. I was then recorded without my consent and had my name shouted multiple times I said I did give consent to be recorded. And felt as if my p...
Without more detail, it's hard to say if anything about this encounter was illegal or violated any rights. One generally does not need permission to record anything in a public area or public space and there would be no expectation of privacy in an airport gate.See question
According to my plan ledger I have four payments (months), three full payments and one at approx a third of the total garnishment. After the last partial payment to the creditors when will the garnishment cease?
Are you in a Chapter 13 bankruptcy and you're talking about a wage assignment or perhaps you're talking about something entirely different. No way to tell.See question
My father died with nothing of value. he was 83 do i have to go through probate or open an estate?
Your question could only truly be answered after a complete review of your father's situation at death. In my experience, I've heard many people say someone died with "nothing" and turns out there is in fact something - often something requiring probate. But if he truly died with nothing, probate may not be necessary. Indiana also utilizes what is called a Small Estate Affidavit for the transfer of assets when they total less than $50,000.00 in value.See question
We filed chapter 7 and got a discharge on the 7 and in a year filed chapter 13 we finished chapter 13 but didn't receive a discharge due to being to close to the chapter 7. How and what do we do to get it discharged. We can't do anything everythin...
If I understand your facts correctly, you filed a Chapter 13 within one year of a previous Chapter 7 filing? In that event, you cannot get a discharge of debt in your current Chapter 13 proceeding because you would not be eligible.See question
Common wooded land owned by an ajacent HOA has a large dead (I assume Ash) tree right on the property boundary -- but the trunk is on their land. If the tree falls it will likely hit our house. I wish to officially inform the HOA of the potential...
Your question is asking legal advice, which is inappropriate for Avvo as no attorney who hasn't reviewed the particulars of your situation could give you legal advice. That said, if in doubt, you should consult a local attorney who works in the field of real estate property law for guidance. At a bare minimum, it would make sense to make the owner aware of the situation and make it in writing with some type of proof of delivery so that if it is every later in question, you are able to demonstrate that the landowner was aware of the problem.See question
I have a payment agreement with a creditor but I had a court date dose that date still matter or after it's filed with the court is it over with??
Unless and until you have confirmation that a court proceeding has been DISMISSED or a hearing vacated, you should ALWAYS attend court. That is, if you are about preserving your legal rights. If you don't show up in court, not only are you risking adverse action happening against you (which could happen, despite a payment agreement), you also run the risk of contempt of court for not attending as required.See question
I have a lot of charge offs and unpaid accounts. It seems like everytime I do things to better my credit something always come to bring my score back down.
Bankruptcy is a legal proceeding in which you are basically seeking a judge to enter a court order restraining your creditors - people you owe money - from making further attempt to collect debt inconsistent with the discharge order or inconsistent with a plan of reorganization if you're paying back any of the debt. Whether you can keep certain property or not depends on the exemptions available to you WHEN and WHERE you file your bankruptcy. You should consult a local bankruptcy attorney for guidance. You can find one by searching AVVO. Most bankruptcy attorneys provide a free initial consultation.See question