Is there an exception to licensing requirements when either a third party or a loan servicer attempts to collect a federal debt.

I'm not aware of any waived license requirement for federal debts, however, many special laws are enacted by congress all the time that make it...

Next step advice regarding a Default judgment ruling and new law firm (debt buyer) letter.

It's rare but you can try to vacate the judgment that was entered 7 years ago. You would need something more than just "I didn't get served" but...

Is my mother in law responsible for her deceased husbands debt?

Generally the only bill your mother in law might be called on to pay would be medical bills of the deceased spouse. Unless she co-signed the credit...

Can a Chapter 7 discharge be granted to a debtor before an adversarial proceeding filed against the debtor is decided?

In my experience, the discharge gets delayed while the adversary is decided. But, as the other said, you are seeking an exception to the discharge...

Just how much of my own finances can be dictated by my spouse's chapter 13?

Income for a household is used in the Ch.13 analysis and formulation of the plan. Your property however is not part of the case unless your wife...

What are the legal steps to notify a consumer when their in-house dealership goes bankrupt and a new company takes over

If they have the proper documentation, they can force you to pay whatever the contract says. Ultimately, if you want the title to the car at the...

Where should I file a small claim when we live in different states?

You would usually file where the transaction took place (NY) or where he lives now. No matter where you sue, the judgment would still have to be...

Your adversary judgment probably just says the debt was not discharged. Whatever happened prior to that would govern the statute of limitation. If...

Can an attorney that may sue me if I don't pay my debt charge me an attorney's fee even though we won't be going to court?

Just like a debt collector's fee, the attorney fee is often owed even if things are wrapped up. Sounds like something you could negotiate though,...

Can I maintain my checking account while filing for Chapter 7 bankruptcy?

Nothing about bankruptcy means you automatically lose your checking account especially if the balance is low. You want to make sure you disclose...