Questions answered by A. Todd Laster

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Can I contact creditor to get unlawful garnishment earnings back?

A.'s answer | Answered on February 29, 2016

If you had an attorney represent you in your bankruptcy you should first of all contact him or her about this issue. You may also contact the...

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Is it legal for a collection company working for my bank to discuss my account/situation with someone not attached to the loan?

A.'s answer | Answered on February 25, 2016

I agree with Mr. Artim. You should consult with an experienced consumer protection attorney near you to see about pursuing a FDCPA violation. If...

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Would it be a big mistake to dismiss the case and work with debt settlement. That would at least work with the unsecured.

A.'s answer | Answered on February 25, 2016

I agree with the other two Attorney responses. You should address your questions and concerns with your attorney who can better assist you. The 5...

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Would it be beneficial to file bankruptcy even after I have been sued?

A.'s answer | Answered on February 18, 2016

It is possible to discharge debt in a bankruptcy after being sued or even after receiving a judgment. Most bankruptcy attorneys offer free initial...

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If we get back together after I get discharged, will I be in any trouble as to the bankruptcy?

A.'s answer | Answered on February 17, 2016

As long as you are separated when you file for bankruptcy for reasons that do not include evading the Means Test requirements you should be fine. ...

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If I add my name to the mortgage and car loan, does tat improve my credit score?

A.'s answer | Answered on February 11, 2016

Just adding your name to the deed and title to the home and car would do nothing to increase your credit rating. You would have to both refinance...

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Can a car be repossessed if it has no lien against to satisfy other debts?

A.'s answer | Answered on February 04, 2016

It is possible that the creditor has what is called a Cross-Collateralization clause in your loans that would make the collateral securing any loan...

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Are there any options other than bankruptcy to lower or stop the payments?

A.'s answer | Answered on February 04, 2016

Private student loan debt is difficult to get out of in or out of bankruptcy. Your best bet is to first request a hardship hearing in State Court...

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Is it to late to file the education hardship after the bankruptcy has been discharged. I contacted bankruptcy court Trustee and

A.'s answer | Answered on February 04, 2016

you can file a student loan adversary anytime before the final decree is entered. If the final decree has already been entered it would be...

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If I filed a chapter 7 in 2009 when can I re file a chapter 7?

A.'s answer | Answered on February 03, 2016

You cannot file another Ch. 7 until at least 8 years have passed from the file date of your previous Ch. 7 petition. If you need immediate...

A. Todd Laster's Answers (505)

Can I contact creditor to get unlawful garnishment earnings back?

Is it legal for a collection company working for my bank to discuss my account/situation with someone not attached to the loan?

Would it be a big mistake to dismiss the case and work with debt settlement. That would at least work with the unsecured.

Would it be beneficial to file bankruptcy even after I have been sued?

If we get back together after I get discharged, will I be in any trouble as to the bankruptcy?

If I add my name to the mortgage and car loan, does tat improve my credit score?

Can a car be repossessed if it has no lien against to satisfy other debts?

Are there any options other than bankruptcy to lower or stop the payments?

Is it to late to file the education hardship after the bankruptcy has been discharged. I contacted bankruptcy court Trustee and

If I filed a chapter 7 in 2009 when can I re file a chapter 7?