Archived
I'm looking help me with an old bankruptcy that I now have found out I have a judgment against me, several years later.
Michael's answer
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Answered on August 29, 2016
I can't actually tell from your question if anyone screwed up. Your bankruptcy wiped out your personal liability on your debts. Liens, however,...
Archived
Can I sue a collection agency for putting negative info on my credit report, if I responded with
drop-dead letter?
Michael's answer
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Answered on August 29, 2016
The most important question is whether they are reporting false information. While you have the right to dispute the debt and tell them not to...
Archived
I am currently enforcing a judgment against my debtor. We verbally agreed to a payment plan. The debtor then moved.
Michael's answer
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Answered on August 26, 2016
It's not really viewed as illegal, but you do typically get to serve papers at his last known address so once he moves, he loses out on getting...
Archived
Will the judge accept my request for a payment plan?
Michael's answer
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Answered on August 26, 2016
The judge often does not get into the details that much, but she might. Generally the trial determines whether they have proven that you owe the...
Can a creditor garnish all funds from a savings or loan savings account if they have a court order???
Michael's answer
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Answered on August 26, 2016
Sounds very recent and sometimes the money is held by the bank until further order. Even though it's out of your account, you may still have time...
I keep getting calls from 877-404-4490 which claims to be a law firm. Am I in trouble?
Michael's answer
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Answered on August 26, 2016
In my experience, they don't usually just write off a $5,000 debt. You were wise to look up the caller, but one thing I always recommend is to ask...
Archived
In divorce home in foreclosure but no sale date set, wife agrees to sing house over by quit claim deed do M. Co ever reduce owe?
Michael's answer
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Answered on August 26, 2016
Anything they are willing to do is either voluntary or a result of government incentives. I would see if you qualify for the HARP program or any...
Archived
Can the State of Kentucky garnish my SSDI and/or VA Disability to recover unemployment overpayment?
Michael's answer
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Answered on August 26, 2016
Sounds like you need to go to court and present your facts. A judge is likely to be sympathetic. Over the recent years, more laws have been passed...
Archived
What should I do about my chapter 13 bankruptcy that I filed with my husband 3 years ago when he passed away unexpectedly?
Michael's answer
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Answered on August 26, 2016
Chapter 13 can be tricky, but it appears the insurance proceeds are exempt:...
After discharge of my Chapter 13, my HELOC loan was charged off and the lien released. Is this chargeoff amount taxable?
Michael's answer
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Answered on August 26, 2016
Technically, the debt was not discharged if the plan treated it as a long term debt where you would make the payments even after the case was...
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