Can I go to jail or lose my job from accidentally overdrafting?

I'm not sure about the rest of your question, but take a close look at the Credit Card Accountability Responsibility and Disclosure Act. It limits...

The sheriffs auction was temporarily stopped due to filing bankruptcy. Just a matter of time before they make us leave.

Depends on what you are trying to do with the home. I’m assuming you filed chapter 13 bankruptcy and are seeking to pay back the past due amounts...

How do I request a consent foreclosure?

You can send a letter to the plaintiff's attorneys with your case information and address on it and request a consent foreclosure pursuant to...

I noticed that BofA keeps reporting CO every month after bankruptcy discharged.

They should not be reporting the debt as a charge off under the Bankruptcy Code or the Fair Credit Reporting Act. But you have to be proactive, as...

Can you file a civil suit against a bank for fraudualently reporting a credit card lost or stolen card when it wasn't?

You could have a Fair Credit Reporting Act claim. To have a strong cause of action under the FCRA you have to be proactive, as in dispute the debt,...

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Do I need a lawyer OR why do I need bankruptcy to protect myself from foreclosure? Cant I just let the house go????

You were likely served via publication and that is why you didn’t receive any papers. Keep track of your next court date. Will County also has a...

I have a approval for a short sale of my house...but my GMAC mortgage send me a letter that it is not i have a deficiency on it.

I'm guessing that GMAC asked for your financials and determined that you could afford some sort of deficiency. Even if you present a release of...

What can I expect my first day in court, at a collections lawsuit?

If you are seeking those things, then request leave to conduct discovery and to answer and plead defenses to the complaint. The court will then set...

I want to try and do deed in lieu of foreclosure in Illinois. Will I be charged income taxes on the due amount if they accept?

You could be "1099'd" after a deed in lieu. The entire purpose of a 1099 is to report forgiven debt, which is considered "income" by the IRS. You...

MY PROPERTY WAS FORECLOSED WHEN I WAS OUT OF THE COUNTRY

You could seek relief from judgment, but should hire an attorney to help you. Has the property gone to sale? It becomes increasingly more difficult...