NM Tax and Revenue/Audit & Compliance Division/Call Center Bureau sent a letter, first class delivery, stating FINAL NOTICE BEFO

Probably. Tax delinquency is not subject to the usual debt collection issues, and even TX, with its strong consumer protections, will not protect...

Is it customary to never hear from your lawyer?

This is a common problem - many attorneys that run "bankruptcy mills" meet with you, then hand you off to an assistant. It shouldn't be that way -...

Can I still be taken to court for a payday loan issued in 2008?

The SOL on suing in TX for a debt is 4 years. But, I would make sure that you're correct on your dates - if you reaffirmed the debt in any fashion...

What happens to Special Assessment to HOA Fees during and after a foreclosure of a property included in a bankruptcy chapter 7?

Your bankruptcy discharged all HOA dues and fees incurred up to the date you filed bankruptcy. You owe any incurred after that date until the...

Spousal Debt: MN 512.05 (b) Statue vs Credit Card policy

They are following MN law. Since you're an "authorized user," you aren't contractually liable for the debt - your wife is. Therefore, you have no...

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Can a medical facility turn you over to collections if you are making regular payments.

Yes, they can. Bottom line - you don't get to dictate terms to your creditors. Just because you "can't afford" whatever they are demanding...

Refinance mortgage with a student loan co-sign judgement

Sure, if the lender will agree to the refi in only your name, which I'm presuming is your goal. They probably won't agree to a refi with her name...

What happens with our 2nd mortgage should we sell our house after chapter 7 in Minnesota?

Bottom line - you can't sell the house until you pay off the lienholders. Just because you filed bankruptcy and eliminated your obligation to pay...

Can a spouse file for a divorce while the other spouse if out of the country

Sure. The real question is how the non-resident spouse will be served with the paperwork. Assuming that can be accomplished (not easy in a...

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Quite good. First, just because you filed a police report doesn't prove he did anything to your door. He is correct in stating that, from a proof...