Questions answered by Ryan J. Dove

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Collecting on a Non-secured Personal Debt in Texas

Ryan's answer | Answered on August 10, 2015

The answer to all of those questions is going to depend on the written language of the "IOU." You should go meet with a local collections lawyer...

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Is there anything we can do to protect ourselves if our tenant files bankruptcy?

Ryan's answer | Answered on August 07, 2015

I agree with my colleagues. Go consult with an experienced bankruptcy attorney, If possible someone who handles creditor work or is familiar...

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Can I have a settled paid in full account removed from my credit report?

Ryan's answer | Answered on August 06, 2015

You are asking them to delete accurate information from the credit report. Some may tell you to dispute the item after you settle the debt. ...

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Do I have a case to sue Navient for miss allocation of funds?

Ryan's answer | Answered on August 06, 2015

If Navient shows you as delinquent due to an error on their part and you can prove it, you may 'have a case.' This type of thing would be...

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Can I get a civil judgement removed from my credit report if the account was paid and settled.

Ryan's answer | Answered on August 04, 2015

Unfortunately, paying the underlying debt does not change the fact that a judgment was entered by the court. Depending on the facts, it may or may...

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Can I file for bankruptcy and not get our income tax taken away?

Ryan's answer | Answered on August 04, 2015

If you do not own a home and have lived in Texas for more than 2 years, you may be able to 'exempt' your tax refund. Go sit down with a local...

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I want to purchase a new home. I filed for a Chapter 7 BK and was discharged on May 8, 2015

Ryan's answer | Answered on August 02, 2015

"Can I qualify now for a new home or should I wait a few years?" That's actually two questions. 1. Can I qualify now for a new home...

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A company advertises free towing and diagnostics. Can they decide to charge me 600.00 for towing and diagnostic if I decline.

Ryan's answer | Answered on July 31, 2015

What did the written agreement say? If you didn't have a written agreement, it depends what their website says in detail.

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I went through a modification of my home while filing a chapter 7. How can I get the co-borrows name off the mortgage?

Ryan's answer | Answered on July 28, 2015

The only way to get the co-owner off of the mortgage is if the bank agrees, or if you are able to re-finance and get a whole new loan in your name...

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If I am in bankruptcy can my ex-wife ask for spousal support?

Ryan's answer | Answered on July 28, 2015

If your question is: Will bankruptcy revise or erase an ongoing domestic support obligation, the answer is no. If you feel too much is being...

Ryan J. Dove's Answers (774)

Collecting on a Non-secured Personal Debt in Texas

Is there anything we can do to protect ourselves if our tenant files bankruptcy?

Can I have a settled paid in full account removed from my credit report?

Do I have a case to sue Navient for miss allocation of funds?

Can I get a civil judgement removed from my credit report if the account was paid and settled.

Can I file for bankruptcy and not get our income tax taken away?

I want to purchase a new home. I filed for a Chapter 7 BK and was discharged on May 8, 2015

A company advertises free towing and diagnostics. Can they decide to charge me 600.00 for towing and diagnostic if I decline.

I went through a modification of my home while filing a chapter 7. How can I get the co-borrows name off the mortgage?

If I am in bankruptcy can my ex-wife ask for spousal support?