Archived
A debt/collection agency called my sister to get information about me..how to contact me etc.. she was mad they called her #
Ralph's answer
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Answered on June 04, 2010
Under the FDCPA the collectors are allowed to make one call to your sister for the purpose of trying to locate you. However, they are not allowed...
Archived
How do i stop a wage garnishment
Ralph's answer
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Answered on May 22, 2010
If the judgment was properly obtained there is not much you can do to stop the wage garnishment appart from filing a motion for time payments in...
Archived
If i am collecting unemployment benefits, can a debt collector seize my bank accounts with a court judgement?
Ralph's answer
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Answered on May 12, 2010
It sounds like there is no judgment at this time. Make sure that you answer any complaint that is filed against you so that a judgment does not...
Archived
A student loan Co-signing issue
Ralph's answer
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Answered on May 11, 2010
As a starting point, the law requires that all of your debt be included in your bankruptcy petition, including debts that you co-signed for. ...
Archived
My ex husband and i own a house together that we dont live in and i pay for. how can i file bankruptcy to get rid of the house?
Ralph's answer
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Answered on April 29, 2010
The real issue is how the house was treated in the divorce decree. If you have an obligation to pay his debt on the home, or hold him harmless on...
Archived
If I sell a piece of land in Michigan, how long do I have to wait to file backruptcy?
Ralph's answer
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Answered on April 27, 2010
In addition to the first answer, I assume you are concerned about the money you will receive from the sale of the property. Assuming the sale is...
Archived
Remedy to Resolve a Collection Case with a Granted Judgement in favor of Collection Agency
Ralph's answer
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Answered on April 22, 2010
There are a number of ways of making service, that do not require personal service. For instance, if you avoided personal service, the Court might...
Archived
Do I tell my creditors I filed for bankruptcy or do I wait till the court tells them?
Ralph's answer
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Answered on April 22, 2010
I tell my clients to let the creditors know that you filed, give them the case number and give them my name so they can verify the filing. I also...
Archived
I have about 13,000 in unsecured loans and credit card debt with no job or money. Wat should I do? Bankruptcy?
Ralph's answer
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Answered on March 29, 2010
Part of the answer depends upon whether you have any assets that the creditors can attach: such as bank accounts, cars that have no lien on them, ...
Archived
Can the cramdown provision of the bankruptcy code be used on a land contract
Ralph's answer
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Answered on March 14, 2010
I believe in a Chapter 11 reorganization you could cram down the amount owed to the current value of the property. You should consult a Bankruptcy...
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