If a civil case went to court and a judgment was made, can the defendant still offer payments at will versus wage garnishment?

Usually you would have to seek a court order that as long as you are making payments, the creditor cannot garnish.

I just got a call from hayt hayt and landau and I do not have a number to call them back how can I get a toll free number?

You can probably Google the name and get a toll free number. Be careful, they will have caller ID, so best to use a phone other than your own. ...

Should I pay off a debt balance if the attorney did not respond to my collection dispute letter within 30 days of receiving it?

You should consult with a Fair Debt Collection Practices Act attorney as soon as possible. Your question indicates suspicion that the collector...

Im filing chanpter 7 bankruptcy & Im married, but I am filing by myself, Do I have to put down my spouses income on Schedule I

Yes. Schedule I is meant to deal with HOUSEHOLD income of the Debtor and the Debtor's spouse; And Schedule J is meant to deal with the HOUSEHOLD...

What is the best way to file bankruptcy? on your own or with the help of a lawyer?

If you have more debt than you can handle, bankruptcy is an excellent way to get a fresh start without spending years trying to dig yourself out. ...

Is it too late for a letter of validation? Would there be any benefit?

I am going to guess differently than Mr. Weston. It sounds like you have been sued in state court for a credit card debt, and you are asking about...

Tell them you want snail mail presentation of documents as well as a snail mail way to return them. How can you be sure that this entity has any...

Why don t people run up debts, then retire with protected pension checks?

Because they have a moral compass guiding them. On the other hand, if you find yourself needing to retire and stuck with way too much debt, you...

I have been unemployed since January 2012. I will be receiving a couple of lawsuits because of my financial status.

Talk to a bankruptcy attorney NOW. Then plan according to he advice you receive.

After mortgages, $100,000 homestead, 7% selling cost, 25,000 equity left. Can home owner arrange payments rather force sale?

Given your facts, a chapter 13 would assure that you keep the home. You would pay the 25k (less the assumed chapter 7 administrative fees of...