Can my garnishment be stopped if i consolidate? Will my credit score take a hit with the balance increasing?

Eligibility for consolidation is based generally on their procedures and regulations. Same for loan forgiveness. Offhand I don't know the answer,...

Which state's SOL controls, the state of origination or the state of current residence?

I agree with the previous advice about the contract choice of law controlling, followed by the state where the papers were executed. The only...

How can the bank legally report the short sale to credit bureau post chapter 7 and report short payment to the IRS?

I suspect you are just getting some standard form language and that they would either take it out or add some "not applicable" langue if you asked....

Do we have to pay for a bill? I didn't sign the company's proposal/bid but my husband did.

For starters, if your husband signed it, he would still have to pay it, and then as another attorney pointed out, you would also be liable under...

What can I do to make them fix this?

These things are best done in writing. Immediately request paperwork on both the loans and a payment history. You can hope at that point that they...

I have a bill collector calling me at work. Can you tell me how to handle this? Its an invasion of my personal business.

If they are indeed a third party debt collector, and not the company actually owed the money, they have to comply with debt collection laws. You...

I am at retirement age and want to retire. Can my Chapter 13 be changed to Chapter 7 since my income will be cut 70%?

In Chapter 7, your assets and your income are both taken into account. While you may be able to convert, it has to be evaluated first. Whatever...

Usually, the discharge is all that matters. Closing is sometimes help up by the trustee or the court cleaning up some paperwork, or sometimes it's...

How do I add my name to my Moms deed or should I have it transferrd completely & be resp. for taxes

This is a significant asset transfer with tax implications and also a big impact on your disability. Scrape together the money to get a lawyer or...

Need help collecting money

You can negotiate or you can start formal collections. Maybe the friend will think it's a bargain to pay back 75% of what's owed, and you can save...