Questions answered by Benjamin Patrick Payne

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I am being sued for a 4yr old medical bill. The bill is for $15,000 and my income is $18,000/yr.Should I file bankruptcy?

Benjamin's answer | Answered on October 14, 2009

You appear to be a good candidate for Chapter 7 bankruptcy. Your income is insufficient to pay the $15,000 medical bill within even a few years of...

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How does bankruptcy affect Chaild support in Wisconsin?

Benjamin's answer | Answered on October 14, 2009

If she filed a Chapter 7 bankruptcy case, she cannot discharge (eliminate) her obligation to pay you alimony, maintenance, or support if the...

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How long may I take to pay off a hospital bill which was the result of an accident?

Benjamin's answer | Answered on October 13, 2009

Medical bills are due when the each creditor says the bill is due. There is no law that prohibits a creditor from demanding that you pay off a...

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Do I need to be listed on my husbands bankruptcy papers?

Benjamin's answer | Answered on October 06, 2009

You have the choice of joining his bankruptcy petition or not joining his bankruptcy petition. If you join his petition (called a joint case) all...

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Does my husband credit affect me?

Benjamin's answer | Answered on October 05, 2009

Yes, your husband's debts affect you. In Wisconsin, when one spouse incurs a debt (with limited exceptions) the creditors of the incurring spouse...

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I recieved a summons notifing me that a suit credit card.I agree with they say i owe do I still provide an answer?

Benjamin's answer | Answered on October 02, 2009

You are not required to file an answer if you do not have a defense or if you do not wish to dispute the debt. If you do not file an answer, the...

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Can you still negotiate a settlement when the debt is filed with the courts, however before judgement has been made?

Benjamin's answer | Answered on September 28, 2009

Yes, you can contact the creditor that filed a lawsuit to collect its claim against you and offer terms of settlement at any time up until the...

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I'm on bager care. Can they still garnish my checks

Benjamin's answer | Answered on September 24, 2009

If you have been seved with a an Earnings Garnishment Notice, included in those papers is form CV-424, titled Earnings Garnishment - Debtor's...

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If my soon to be ex files for bankruptcy will her creditors come after me to collect her debts?

Benjamin's answer | Answered on September 22, 2009

I am licensed to practice law in Wisconsin. With regard to your liability on credit card accounts opened by and/or used by your wife during the...

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Switch lawyers after chapter 13 was filed

Benjamin's answer | Answered on September 18, 2009

You can elect to substitute a new attorney for your current attorney at any time during your chapter 13 case. There are inefficiencies in doing...

Benjamin Patrick Payne's Answers (128)

I am being sued for a 4yr old medical bill. The bill is for $15,000 and my income is $18,000/yr.Should I file bankruptcy?

How does bankruptcy affect Chaild support in Wisconsin?

How long may I take to pay off a hospital bill which was the result of an accident?

Do I need to be listed on my husbands bankruptcy papers?

Does my husband credit affect me?

I recieved a summons notifing me that a suit credit card.I agree with they say i owe do I still provide an answer?

Can you still negotiate a settlement when the debt is filed with the courts, however before judgement has been made?

I'm on bager care. Can they still garnish my checks

If my soon to be ex files for bankruptcy will her creditors come after me to collect her debts?

Switch lawyers after chapter 13 was filed