Archived
I have a collection agency sending me a letter n calling for a 22 yr debit. I have a high credit rating. What do I do?
Alan's answer
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Answered on October 23, 2012
I would venture to say that regardless of the state, that the statute of limitations has run on this debt and the collector has NO legal right to...
Archived
I have received a ' Motion and Order to Renew Civil Judgement' on a Secured credit card, from the year 2000.
Alan's answer
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Answered on October 23, 2012
Sounds like you were sued (and lost) just shy of 10 years ago, and the creditor is asking to renew its judgment for another 10 years, which it can...
Archived
Bought land for $150k. Now worth $35k Owe $80K. Would like to get loan forgiveness so I would pay on loan for $35k. Other
Alan's answer
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Answered on October 22, 2012
If this is not your residence, you can propose a chapter 13 plan that would pay off the value in 5 years. This is called a cram down. You have to...
Archived
Should I attend the default judgment hearing tomorrow a.m. or go see my bankruptcy attorney?
Alan's answer
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Answered on October 22, 2012
Attend the hearing and tell the court you want attorney assistance. Then immediately thereafter, meet with a bankruptcy attorney (find one at...
Archived
Will fileing bankruptcy clear up unpaid traffic tickets as the tickets have acrewed to over six thousand dollars and been turned
Alan's answer
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Answered on October 22, 2012
Generally, fines to governments are not discharged in a bankruptcy. Talk to a local attorney to see if there is a way to discharge these in...
Archived
I did file for chapter 7 on 10/25/2004 and now I need to file chapter 7 again how do i findout how mush debt i have as of now 10
Alan's answer
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Answered on October 22, 2012
You can file another chapter 7 on October 26th. Go to www.annualcreditreport.com to get a free credit report. Many attorneys use a service that...
Archived
Could my husband's business be affected by me filing for bankruptcy?
Alan's answer
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Answered on October 22, 2012
Based on what you have said, NO. Review this with your attorney.
Archived
I filing for bankruptcy chapter 7. The paper work my attorney put it totally wrong. I told him all my information. But he want
Alan's answer
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Answered on October 22, 2012
Find another attorney at www.nacba.org You need competent counsel ASAP!
Archived
Can I deduct the payments I make on my son's private school as an expense in my chapter 13 plan?
Alan's answer
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Answered on October 22, 2012
This is something that a local Bankruptcy attorney needs to advise you on.
Archived
I want to keep my house after bankruptcy, but my bank says I can simply resume payments on first and second mortgages.
Alan's answer
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Answered on October 22, 2012
To rephrase your question - I thought bankruptcy would give me a free house! The bank is correct - while you no longer owe the money, your pledge...
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