What is my recourse if the state trustee did not remove me from title on a free and clear property at discharge?

You wrote, "it is almost 5 years [since the bankruptcy] and I still can't buy a personal home becaue of the "time" issue of [title] being in my...

Defaulted on unsecured debt. Judgement entered against me for $8500. How do I solidify a settlement offer?

You wrote, "What kind of documentation do I need to make this a solid settlement offer?" A: An "offer" is useless... When you have reached an...

Can an employer agree to a garnishment order before the court hearing has even taken place?

Some Creditors (federally-guaranteed student loans) may be able to do an administrative garnishment that could begin before a garnishment as a...

Debt Settlement or Debt Consolidation?

You wrote, "Can the Banks go after your bank accounts checking/saving for payment if you default?" A: Yes, if the bank gets a judgment and pursues...

Can a debt collector stop garnishment withholdings after the paperwork has been sent to my employer? I received a summons

You wrote, "Can a debt collector stop garnishment withholdings after the paperwork has been sent to my employer? " A: Yes. The Creditor would...

Can a debt collector stop garnishment withholdings after the paperwork has been sent to my employer? I received a summons

You wrote, "Can a debt collector stop garnishment withholdings after the paperwork has been sent to my employer? " A: Yes. The Creditor would...

Home Loan Modification

It has become common for lending institutions to require a Reaffirmation Agreement to enter into negotiations to modify loans/liens. The marketing...

Bankruptcy & Taxes

Some income taxes may be dischargeable in your bankruptcy. Filing bankruptcy will not affect your next income tax return or the amount of...

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Someone else's Bankruptcy on my credit for 9 years. I found out from the court that it wasn't mine I want to sue the source

You wrote, " I thought it was an ex husband [but] it was the agencies who put it there., A: Your failure to dispute the false entry decreases your...

Bankruptcy after a divorce, can I still be liable for the debt?

From your recital of facts, the debt was not discharged in your bankruptcy and you will need to mount a defense to the contempt action.