Can I be charged criminally for stopping payment on a settlement of a debt?

Did you commit a crime? I think not. The collectors are trained to scare the living daylights out of you in order to get a payment. The pay day...

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I filed chapter 7 bk it was discharged dec.29,2011.I'm surrendering a 55 in. tv that couldn't be discharged.

The statement of intent is meaningless. If you said you would surrender it, you do not have to. The lender cannot make you expend any resource to...

What income is considered too high in Illinois?

For a household of 1, $45,545 is the median income. For a household of two or more it exceeds the $51k you claim, and no means test issue. So if...

Can a collection agency have a negative credit item removed from the credit bureaus?

They will tell you they cannot, and of course they would be lying if they reported something different from reality. But they can agree to stop...

If the equity in your house is a down payment of funds from a trust that you still don't have control of, who owns the equity?

You (and your spouse if your spouse bought the home with you) own the equity. The trust relinquished control of the funds when they were paid out...

I was discharged in a no assets chapter7 bankruptcy, can a creditor seek to have merchandise returned now over 1 year later?

You tell them that you no longer have the merchandise. If it was a properly secured debt, the lender can attempt to recover the property from YOU,...

What if I can't afford to return my tax return to my bk 7 trustee?

You file a tax RETURN, you get a tax REFUND. If your plan pledges the REFUND to the trustee, you will most likely need to file a motion to keep...

Appealing a Bankruptcy Appeal on MSJ

While this presents an interesting question, your attorney should do some research and find out. I am not interested in doing so on a general...

Can credit card judgements be enforced if they were filed more than five years after the original accounts were opened?

Once a judgment is entered, and you have not timely appealed, the statue of limitations is no longer relevant. The judgment, as stated by Ms....

Can i get a fradulent overdue balance off my Credit record?

You need to dispute the credit report entry. The credit reporting agency will seek to verify the debt, if it is not yours it will be removed. You...