I have education loans of over $500,000. Is this too much to file Chapter 13? Does it put me over the limit

Doesn't look like you will qualify for Chapter 13. If you have substantial property or income, you might file Chapter 11, which is usually used for...

FICO scores

A FICO score is determined by a private company. They don't reveal the formula for determining your score so it is difficult to determine what, if...

Can a collection agency or a lawfirm bring the case to the court for canceling membership from bally total fitness

Seems like the statute of limitations would have passed by now. Tell him to sue you or stop calling. Dispute the debt under the Fair Debt...

A landlord has filed a civil suit for back rent. I don't have anything of value other than my car. can he take that?

He can probably grab part of your wages, called garnishment, and perhaps anything in your bank accounts. Whether your car has any value to be...

If a junior lien holder does not file a chapter 13 proof of claim, does not hold a recorded mortgage from the original lender,ca

If they are a legitimate creditor, they can file an objection to plan confirmation. Your bankruptcy attorney can make a determination of whether...

My dad took out educational loans under my SSN when I was sixteen. They were for me, but I had no choice. Is this legal?

I agree with my colleagues. Not much you probably can do if you benefited from it. You could possibly pursue your father, which it seems you have...

Dont know how to answer my summons

Contact the debt collector to work out a payment plan. I would assume they would be willing to accept $150 a month to clear this debt in about 6...

See below

I don't see the correlation between you and the insurer. Any reason you believe you should be entitled to a reduction? What would be reduced?

It's hard to determine what exactly the company may be doing. Do you owe Wachovia a debt? They can sue you for whatever they want. Proving it is a...

Can a law firm that has a judgment against me file bank levys at random area banks searching for a bank account in my name.

They probably can. If you are concerned with your reputation, you can call them and tell them which bank your account is at. Or set up a payment...