Archived
Debt collector was calling my mothers cell phone for an alleged debt asking for me. Would this be a TCPA violation?
Allan's answer
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Answered on March 17, 2014
The actions described may violate the Fair Debt Collection Practices Act (FDCPA). Debt collectors are allowed to call known family members for the...
Archived
The VA keeps direct depositing money into my deceased mother-in-law's Trust
Allan's answer
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Answered on March 14, 2014
You are asking for trouble if you keep the money. They will come after whoever withdrew the funds, instead of returning it. If you close the...
When you have a FHA loan and your home is sold at a sheriffs sale, can you redeem property, and will I be sued?
Allan's answer
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Answered on March 14, 2014
The fact that it was an FHA loan has no bearing on whether you can redeem. Michigan foreclosure laws allow the borrower to redeem for 6 months...
Archived
How long do you have to file a quick claim deed in flint michigan
Allan's answer
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Answered on March 14, 2014
The Register of Deeds only accepts original deeds for recording. If you have the original and the loan is paid off, getting a signed statement from...
Archived
I have a frozen bank account and I am in the means to file bankruptcy, so what I need to do to get my account on frozen.
Allan's answer
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Answered on March 14, 2014
Certain details would be helpful: the amount owed on the judgment for which the garnishment was entered; the amount of money that is in the...
Archived
Income Slashed. Owe more than I can afford. Is Bankruptcy the way to go with bad loan applications?
Allan's answer
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Answered on March 14, 2014
Look at the 3 cards in question - is it possible to work out settlements with them to put those accounts behind you? Some will accept a percentage...
Archived
Can a landlord charge you for previous electrics when it was never agreed upon?
Allan's answer
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Answered on March 10, 2014
How would he intend to enforce such an agreement if you refuse to pay? He has no written agreement. You, on the other hand, have a course of...
Archived
BOA not reporting mortgage payment to credit bureau ! since 2008
Allan's answer
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Answered on March 10, 2014
After a discharge without a reaffirmation agreement, the creditor will report the debt as having a "$-0-" balance, and the debt as having been...
Archived
If a case is dimissed without prejudice can they garnish your wages six months later?
Allan's answer
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Answered on March 10, 2014
While getting the judgment set aside may be your next course of action, first call the court, ask for the Civil Division, tell them you are...
Archived
If I have joint stock with my ex-husband, what happens when I file bankruptcy?
Allan's answer
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Answered on March 10, 2014
Your half of the value of the stock would be considered an asset of your bankruptcy estate. So approximately $5,000 would be an asset, but you may...
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