I am facing foreclosure on Sept 6 and filing bankruptcy (Chap 7) to delay and force a sale . I have two checks from homeowners insurance made payable to lender and myself $22,000.00. Contractors, in getting bids, have all said the insurance comp...
If your file bankruptcy, the bankruptcy Trustee may claim an interest in the check.See question
My husband owes $48,507 to the state of Oregon for restitution we have been making payments on this amount but we missed one payment due to financial difficulties and have made payments after that missed payment but just receive notice in the mail...
In Eastern District of MO, where I practice, there is an exemption to garnishment for someone who has the status of being "Head of Household," which reduces most garnishments from 25% to 10%.See question
In 2012, I lived in the state of Missouri and was a customer of Ameren whom provided me with electric service. Upon moving into and establishing an account with Ameren, a couple of months into service I received a notice stating that I owed a prio...
You were probably talking to a customer service representative who was likely reading from a script prepared by Ameren upper management. The customer service rep works for Ameren who pays his or her salary: any questionable issue is biased to Ameren's favor.
There is nothing inherently wrong in this approach, but it does not mean that Ameren is right.
I have likely walked into a building and enjoyed the air conditioning of a place of business that did not subsequently pay their Ameren bill: I do not think I am liable for having benefitted from the electric.
Although your account was short on details, I join withSee question
I have been sued by a debt buyer. Case is still in pretrial. The debt they are suing for was charged off almost four years ago. They have sent me statements that reflect payments, one of them being the charged-off statement showing the amount they...
The charge off was likely by the original creditor who sold it to the debt collector.
If that is the case, the charge off is not binding on the acquirer of the debt account.
I didn't pay a medical bill due to miss communication between me and the insurance company. Later I found out that they sent for credit collection. My credit score went down from 750 to 600+. Now I'm planning to apply for citizenship. Does USCIS r...
This question currently (as of this writing) came up under "Credit Repair."
I think you would be more likely to get a useful response if you recategorized as an immigration law question.
A collection agency is wanting me to pay $10500 for a past due medical bill.They want all of it now.
If they have no judgment against you, garnishment is not yet possible.See question
Post divorce, I ended up without settlement and actually lost most of my personal property. I am currently receiving SSDI; however, my bank account was seized twice unlawfully for consumer debt before I found out how to keep that from happening. ...
There is Federal (and State) law restricting garnishments based on a percentage of the current poverty index. The $217.50 amount sounds about right, but I did not review the applicable provision.
There is also federal law --as you have apparently learned-- limiting non-wage garnishments. State law exemptions may also apply.
I am working on improving my credit score. I found several items that were not removed by the removal date. I inquired about removing those and also removing multiple inquires for a auto loan that I really did not want on my credit report only was...
A credit reporter can amend or delete a report to CRA.
The suggestion of writing a letter to obtain the deletion or amendment of a reported incident is worth pursuing.
I have sent all my tax return forms and refunds to the trustee. I recently amended my 2013 tax return and received a refund. I had to use the refund for an emergency. I am close to the end of my 5 year term. I know the trustee does a final aud...
The bankruptcy Trustee probably has no means to track amended returns through an IRS connection or IRS-required disclosure.See question
My girlfriend has outstanding debts and had filed bankruptcy with her ex-husband. He died before the divorce was granted. So, legally, she assumed his debts. My question is, if she and I marry, will I assume her ("their") debts?
The bankruptcy, if completed, likely discharged her obligation to pay most debts incurred prior to the filing date of her bankruptcy.See question