In answer to your questions; 1. No they may not legally come after your social security benefits if you direct deposit them into your banking...

Can my grandmother put her bills back into her name after the bankruptcy have been 3 to 4 years ago?

Generally, you are free to stop services with a service provider unless you have signed a contract that locks you into a fixed charge for a fixed...

Chapter 7 Bankruptcy Federal Exemption in Michigan

You asked "Can both the federal exemption for cars and wildcard be used together for a car?" The simple, generic answer is yes. But, In order...

Can a Law firm or collection agency still garnish my wages even if i have made payments on an agreed amount on time?

HI, Its unclear from your question exactly what you agreed to with the creditor that day in court. T To straighten things out, I think your...

Whats the difference in Bankruptcy Chapters?

To qualify for Chapter 7 bankruptcy in MIchigan, a single person can't own more than approx. $20,000.00 in assets (fair market value, not...

I have been contact by a lawyer that says that he can help getting my student loans decreased or even removed. Is this possible?

First , I am skeptical of the lawyer's claim if they randomly contacted you. As a Michigan licensed attorney myself, I do not contact potential...

My husband has outstanding federal loans- incurred prior to our marriage- can they garnish my wages

Generally speaking, creditors cannot legally enforce contracts or judgments against a person who is not a party to the underlying contract. (It...

What happens to a car loan with Chapter 7 bankruptcy?

If you file Chapter 7 bankruptcy, you get to decide whether you want to keep the car and the debt, or, surrender the car and the debt. You may want...

My bankruptcy did not do anything

If you filed bankruptcy and received a discharge of your debt from the U.S.Bankruptcy Court, your responsibility to your creditors is over. Some...

Can a debt collector take money from a joint bank account my husband and I have if the debt is only mine from years ago?

Creditors will place garnishments against any bank account that lists your name. If there is an account with your name on it and no money in it,...