Do you currently have creditors calling you or taking you to court? If not, wait and see if you really need to file bankruptcy. It might eventually...

I have a promissory note and who own me the money file Bankruptcy Chapter 7. What should I do?

Any lawyer can represent you or you can represent yourself. The key with a Chapter 7 is finding some reason why the debt would not be discharged....

What is the best way to deal with a in house collections agency if I have no copy of my contract? What should I do?

You may be in a stronger position than you think. If ownership changed hands, they may not have a contract they can enforce against you. I would...

Can a payday loan company called and change terms of loan and demand payment

Your written agreement binds both you and the lender, however, what you describe may be their default procedures. If a payment really was not...

My wages are being garnished. Bankruptcy. I will retire soon and be paid by the pension system, can this be garnished?

Your pension is protected from garnishment just like Social Security. Once the money gets in your bank account, however, it can possibly be taken...

You can fight him in the bankruptcy court, or if you get permission you can fight him where the garnishment was taking place. The Chapter 13 case...

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My car was recently repossessed, I can't afford to pay the payoff balance. I have until Oct 16th. Should I file for bankruptcy

You should work on understanding your full credit standing. The repossession is on there, and if you stay delinquent, they will continue to report...

No matter what you do, you should work on getting the loans out of delinquent status since delinquent status has ramifications. Depending on your...

How can debt collectors get a nyc marshall to take me to court

When you are sued, there is a process. They have to allege you owe the money, you get a chance to answer or dispute it, then a judgment is entered...

I am 66 and on ss. Bill collector is trying to serve me with papers. What should I do?

The bad news is that the suit will probably happen in NC. Normally you can just show up in court to demonstrate you only have SS. I agree with the...