Archived
My boyfriend accumulated about $30,000 in credit card debt by himself and his former wife. We want to buy a condo. What is the
Joy's answer
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Answered on April 16, 2009
The only other option that I can suggest is a possible settlement with the creditors at a lower amount than he owes. There really isn't any way to...
Archived
My husband and I have about $25,000 in credit card debt. We thought we were doing right by going with debt.com. Please help
Joy's answer
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Answered on April 16, 2009
This company is one of many that have sprung up over the last few years that are little more than scams. They are not a law firm, they have no...
Archived
I owe about $22,000 in credit card debt, plus I have a bill from my divorce lawyer in the amount of %59k, can I get help for ths
Joy's answer
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Answered on April 16, 2009
You need to schedule a consultation with a bankruptcy attorney. Generally, credit card bills and legal fees are dischargeable in bankruptcy, and...
Archived
Due to salary/bonus cuts, I can't pay majority credit cards--only mortgage & essentials. What can credit cards do to me/my home?
Joy's answer
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Answered on April 16, 2009
I strongly suggest that you consult with an experienced bankruptcy attorney immediately. Many so-called "debt relief companies" are scams, and can...
Archived
I am unemployed and cannot pay my credit card bills. can credit card companies go after my house and/or checking account?
Joy's answer
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Answered on April 16, 2009
A creditor cannot take money out of your bank account without getting a court order allowing them to do so. Before they can get such a court order,...
Archived
What to do when you get calls and letters from debt collectors.
Joy's answer
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Answered on April 15, 2009
Filing a bankruptcy case will normally discharge all of your unsecured debts and prevent anyone from suing you. If you actually owe the debt you...
Archived
Can you get a bankruptcy off your public record?
Joy's answer
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Answered on April 15, 2009
No, there is no way to remove the Chapter 13 case from the public record. It can be reported on your credit reports for 10 years from the date of...
Archived
Can filing chapter 13 help save your home and lower your current payments can you get a modification from filing chapter 13 real
Joy's answer
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Answered on April 15, 2009
Filing a Chapter 13 bankruptcy case will stop a foreclosure and allow you to repay your mortgage arrears through a Chapter 13 plan. As long as your...
Archived
I owe on a car, going to let my sister make the payments but keep loan in my name,what risk involved in keeping title in my name
Joy's answer
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Answered on April 15, 2009
It would be much better for you to get the insurance yourself, and make sure it stays in force. You can add your sister as an additional driver to...
Archived
I financed a car and got my friend to co-sign on the car I have been making all the payments on the car.
Joy's answer
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Answered on April 15, 2009
If the payments on the car are current and it is properly insured, there is no reason for the lender to repossess the car. Your friend will...
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