You are well beyond the jurisdiction of small claims & need a collection atty. I recsll the words of Polonius in Hamlet: "Neither a borrower...

How to proceed after judgment.

I wonder at the validity of the revival of the Jmt implied in your recital of facts: it sounds too facile. Judgements are collected by writs of...

Information on bankruptcy and foreclosure.

You did not say whether it was the 1st or the 2nd lender who is conducting the foreclosure: it may make a difference. However, if you did not...

Bankruptcy

It sounds like equity is not an issue; however, You will have to pass the Means Test to file a Ch . 7.

Default judgment?

Waiting 3 years may simply be a tactic to increase the amount of the judgment by interest and to diminish your chances of setting aside the...

Should I tell my creditors my situation and my intention to file for bankruptcy?

In lieu of filing bankruptcy, consider contacting ClearPoint (in some areas known as consumer credit counseling) who has had some success in...

A company sent me to collections without ever sending me a bill. I immediately paid them over the phone- still showed on report.

I deem it likely that the company immediately has sold the account to another party. The question is, how do you know that the agency that called...

The assets of your bankruptcy estate are generally defined on the date of filing. An inheritance accruing within 6 months of filing may become...

Can i file for ch.7 bankruptcy or do i need to file ch.13?

You are not eligible for a Ch. 7 until 10/2013

Georgia-BOA sent me a letter to pursue collection on 2nd mortgage, $38,000 I have nothing in retirement/savings.Garnishment?

You did not say if the house had been foreclosed upon. It is possible for the holder of a note secured in 2nd position by the mortgage lien to...