Do I file an answer? What form do I use? If I don't get a paycheck how can they get installments? Did they not write it all off?

There is a difference between a debt that is written off, and one that is forgiven. A write off is an accounting tool, a forgiven debt has tax...

Can a borrower garnish you for the same loan that's already being paid and on time?

An order for time payment will stop a periodic garnishment such as one taken weekly from your paycheck, but does not prevent garnishment of your...

Is there anything I can do about this it's not right

A debt can only be collected once. I assume they sent in the State Tax Garnishment before they garnished your paycheck. I would ask my employer...

Can a lawyer help with liens already placed on my home from credit cards? What would be the process? How much will it cost?

Let me start by saying I don't practice in Indiana. My understanding is that an individual can exempt, or keep $17,600 in home equity under the...

When my brother passed away he left a small house. I am the only heir but the house cannot be titled to me due back taxes.

Anything you have a legal right to, such as an inheritance, is an asset that must be listed and protected. Depending on your other assets, you may...

Undue hardship from student loan debt at age 26. How difficult will partial or full discharge be? Particularly in Michigan.

Given your age, absent total disabilty I don't see any chance that you will receive any kind of discharge. Your only option at this point would be...

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Confused as to what to do on an ex - spouse filing Chapter 7 bankruptcy ?

I'm not familiar with Bankruptcy in Kentucky, however generally speaking your ex-wife's obligations to you are not dischargeable even though her...

Generally, Reward Points are given only for payments made. So in my opinion there should not be any problem using the points. If you do file I...

If you are retired and owe money to credit card companies can the company attach your social security?

Under Federal Law Social Security funds can not be attached by credit card companies. Of course if a judgment is entered there may be other assets...

I was purchasing a home via land contract. When I filed for bankruptcy, I surrendered the property. Now my ex husband wants

When you say you surrendered the property I am assuming that you rejected the executory contract. If you have received your discharge then your...