You question depends on a few things. The rule is consumer debts owed to a single creditor and aggregating more than $500 for luxury goods or...

Bankruptcy

Probably, if you file a chapter 7 and your payments are reasonable and you maintain full coverage insurance you will be able to keep your car. ...

If you are sure your car will not be repossessed, there is no reason to reaffirm, just make sure you make the payments and keep full coverage...

You can try to tell them to stop mailing you, but the statute that ran only prevents the creditor from suing you, they can still attempt to collect.

I received a summons in Utah, for a credit card debt that is more that 7 years old.

The FDCPA does not cover collection tactics employed by original creditors (like credit card companies who issue credit cards). It only governs the...

We've stopped paying credit cards, no $ to settle. Can i ignore suits etc until statute expires? Can we lose properties we own?

You have to follow through with the arbitration or they will just get a judgment. You need to talk to a bankruptcy attorney, you might have to...

Will filing a Chapter 7 stop utility companies from sending disconnect notices?

Yes a Chapter 7 will stop the disconnection if they are notified of the Chapter 7 filing. However, they can request a deposit and you will be...

In some cases if these tickets are under the "criminal code", the benefit of a chapter 7 is that you will receive an automatic stay. During the...

Creditor threatening both civil and criminal action, can they do that?

So many people are receiving these horrible threats of criminal action for a civil matter. THEY CANNOT PURSUE CRIMINAL ACTION, only the state can...

1099c

I agree with both attorneys, they might not have a choice whether to send you a 1099c if they forgive $600 or more. . Read Ms. Larkin's excellent...