Archived
I will be relocating to another state, is bankruptcy advisable during the divorce or should I wait until the divorce is final?
Lynda's answer
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Answered on May 26, 2015
You haven't given enough facts for an attorney to make a determination of whether you should file before or after the divorce is final. There are...
Archived
My question deals with collection practices in NJ. I was just notified of a 17 year old judgment that I never knew existed.
Lynda's answer
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Answered on May 25, 2015
Did the attorney's letter have a case number? First thing you should do is check to see if there really was a case filed against you. If so, you...
Archived
If only one spouse is filing for bankruptcy is your income your total household?
Lynda's answer
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Answered on May 23, 2015
The means test is based on your joint income. After your husband files bankruptcy he will also have to send the trustee paycheck stubs and income...
Archived
If you are summon to court for a debt and you do not appear can they have you arrested?
Lynda's answer
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Answered on May 23, 2015
You can't be arrested for owing a debt. If you receive a summons to appear in court and you fail to show up the creditor will win by default and a...
Archived
When should one complete there pre discharge counseling
Lynda's answer
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Answered on May 22, 2015
You don't have to wait for the creditor's meeting to take the Debtor Education Class. It can be taken any time after the case is filed. Once I was...
Archived
How do I stop garnishment on my pay check
Lynda's answer
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Answered on May 22, 2015
The creditor doesn't care whether you are a single mother barely making it. Once a judgment is entered they will do everything possible to collect...
Archived
Should I file for bankruptcy? (In debt management program since late February.)
Lynda's answer
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Answered on May 20, 2015
My clients have not had success with debt management companies. A chapter 7 is cheaper, easier and will get your credit score raised more quickly....
Archived
Is bankruptcy a good idea for me? Also, can smartphones be repossessed?
Lynda's answer
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Answered on May 19, 2015
Sign up with a new phone company or get a prepaid phone. If your credit rating is low, your income is low, your assets are few then a chapter 7...
Archived
Certificate of Completion of Financial Management Course - is one required if you converted from Chapter 13 to Chapter 7?
Lynda's answer
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Answered on May 19, 2015
I believe you will have to take the Financial Management Course. Better to be safe than sorry. The course only takes 2 hours to complete online...
Archived
What is the most effective way to seek compensation from a towing company that refuses to take responsibility for towing damage?
Lynda's answer
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Answered on May 18, 2015
Every case "is your word against mine". You should file a case in small claims court and let a Judge decide whose word should be believed.
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