Archived
I did a loan modification on 9/26/2013 and i letter from my mortage company saying notice of default and right to cure default
Gary's answer
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Answered on October 05, 2013
Your loan modification is the controlling document;
As Aty Trevino noted, this seems more likely a failure to communicate rather than an actual...
Archived
Is it still a loan if you agree to pay less than what was loaned?
Gary's answer
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Answered on October 05, 2013
Discounting a debt grown uncollectible to a payment of 25% of the principal is forgiveness of debt.
Contracting for a repayment of 25% of...
Archived
If I am in a chapter 13 bankruptcy and my vehicle which is paid off gets totaled, can I buy another with insurance money?
Gary's answer
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Answered on October 04, 2013
In Eastern District of MO, where I practice, the funds would be directed /sent to the bankruptcy Trustee and you/your attorney would have to file a...
Archived
Do I have to be physically served a garnishment by a sheriff for it to be official?
Gary's answer
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Answered on October 04, 2013
Check the minute entries on line.
Archived
Do I need to pay the Maryland Collection Agency for a bill that they say wasn't paid back in 1989 and in my fathers name?
Gary's answer
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Answered on October 02, 2013
Send the collection agency a copy of the discharge order in bankruptcy.
Archived
I am 1 month behind in my mortgage payment and unable to bring my payments current. Am I at risk of foreclosure?
Gary's answer
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Answered on October 02, 2013
You wrote, "I am 1 month behind in my mortgage payment... My bankruptcy discharge is pending and the mortgage company notified the bankruptcy...
Archived
Can a creditor seize a bank account or vehicle owed jointly when not married?
Gary's answer
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Answered on October 02, 2013
Garnishment is an issue.
Time to open a separate account or accounts and de-fund (minimize) the joint account account balance.
Archived
Can I sue a collector for reporting to my credit and representing a medical debt of my husbands from years ago, as being mine?
Gary's answer
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Answered on October 02, 2013
Start with disputing the debt with the CRA's.
Selected as the best answer
Archived
I have been late with my Chapter 13 Payments for the last 12 months
Gary's answer
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Answered on October 02, 2013
If any additional interest accrued because of your late payments, there is a possibility of your plan requiring more than the court-allowed amount...
Archived
Can A Debt collector submit for a warrant for my arrest for not paying?
Gary's answer
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Answered on October 02, 2013
Probable violations of the FDCPA.
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