Archived
Can i settle secure debt(auto), what is a good % to settle secure debt, CA refused to settle and threats for further collection
Shannon's answer
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Answered on March 18, 2012
Technically speaking the creditor does not have to accept less than the full payment for the debt; however, many companies will settle for less....
Archived
Is a credit card settlement offered to me by a law office via a taped via phone legally binding?
Shannon's answer
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Answered on March 18, 2012
Unfortunately, even if this offer was "binding" under state law, you are going to have an extremely tough time proving it. You always need to get...
Archived
I just recieved a summon on Friday. I have a case which has the information below. The debt is from 2008 and I’m an unempl
Shannon's answer
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Answered on March 18, 2012
I believe you have asked this question twice. Please refer to your first question for the various responses. Bottom line: hire an attorney, answer...
Archived
Credit Card Debt Lawsuit
Shannon's answer
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Answered on March 18, 2012
You will either need to file an answer yourself or hire an attorney to do so. If the lawsuit goes unanswered/uncontested, the creditor will receive...
Archived
Post Bankruptcy foreclosure
Shannon's answer
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Answered on March 17, 2012
Yes, unfortunately you are " on the hook" for the deficiency because you signed the reaffirmation agreement. I would suggest speaking with your...
Archived
Can I discharge a debt from my son?
Shannon's answer
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Answered on March 16, 2012
If the debt is not due to malicious injury, you should be able to. However, more facts regarding the cause of the debt are needed to give you...
Archived
Please help me understand.."no copies of the trust deeds with recordation data to show that liens encumber the subject property"
Shannon's answer
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Answered on March 16, 2012
Likely, you need to get the registered deed and mortgage/ recorded lien. You can get this from the register of deeds office. You shouldn't expect a...
Archived
If I have a garnishment taken out this month and file for chapter 7 this month can I get the money back?
Shannon's answer
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Answered on March 16, 2012
Yes, if the garnishment is over 600 dollars and you have an exemption to cover it.
Archived
Was served a notice on a credit card debt. I answered the claim. The atty has now filed for summary judgement.Can that happen.
Shannon's answer
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Answered on March 16, 2012
Yes, this is the next logical step for the creditor. They are asking the court to rule based on the documents already submitted and those with the...
Archived
On Schedule F, what $ amount should I use, the amount the collection agencies list, or the original amount?
Shannon's answer
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Answered on March 16, 2012
You should use the most current, updated amount you have (although this is a moving target because, as you say, these companies keep adding fees)....
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