Archived
How do I defend myself from a person claiming I owe them money from a debt that I have already paid them back?
Scott's answer
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Answered on December 13, 2016
Obviously if he forged your signature on the title then this is a matter for the police. The issue that befuddles me is that you write that you...
Archived
Repossessed car, does it help credit to pay fees and get back or let it go..
Scott's answer
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Answered on December 13, 2016
If you file a chapter 13 bankruptcy then you would be able to get your vehicle back. Unfortunately the bankruptcy itself will exceed the $3000 you...
Archived
Will I lose my vheical if I file bankruptcy
Scott's answer
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Answered on December 13, 2016
If you are current on your payments, you have sufficient exemptions to cover the equity in the vehicle and your budget affords you to pay for it...
Archived
What can I do about a garnishment which I was never serve with the judgment
Scott's answer
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Answered on December 12, 2016
If you can prove that you were incarcerated you may have an action against the collection agency for falsely certifying to the court that you were...
Archived
Does a credit reporting company have to provide how they validated a debt?
Scott's answer
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Answered on December 12, 2016
Dispute your credit report concerning the false information concerning bankruptcy filings. After an investigation, I'm sure that those references...
Is it possible to file chapter 7 bankruptcy on a vehicle that was insured when stolen?
Scott's answer
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Answered on December 12, 2016
You can file bankruptcy on any debt owing to RPM since the debt is now unsecured. It would be up to RPM to file an action against you in the...
Archived
I filed bankruptcy and my discharge was closed on 11/08/16.Want to sell my home.
Never had a mortgage on it! Not a livable home
Scott's answer
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Answered on December 12, 2016
The two issues are as follows: 1, Did I fully exempt out the equity in the house? 2, Did the trustee agree to my exemption as full value of the...
Archived
What is my legal responsibility with regard to paying late mortgage fees after receiving a Chapter 7 bankruptcy discharge?
Scott's answer
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Answered on December 12, 2016
You stated that you opted to stay in the home then it sounds like you reaffirmed on your home in your chapter 7 bankruptcy then you are liable for...
Archived
Do I need a lawyer to assist with payoff of debt to PRA?
Scott's answer
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Answered on December 02, 2016
Ask the creditor to send you a payoff letter stating the amount needed to pay the judgement in full. Then pay the judgement using certified funds.
Archived
If I obtain a judgment in Michigan on a note that calls for 13% interest, can I continue to calculate 13% interest on the debt ?
Scott's answer
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Answered on December 02, 2016
It is my understanding that once a judgment is entered the creditor is restricted to the statutory interest on judgments.
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