I'm considering 'debt negotiation' as an alternative to bankruptcy on credit card judgement. Any advice/tips are appreciated!

You are on the right track, as to avoiding online debt settlement services, because most are unable to effectively negotiate, and then to litigate...

Can the same attorney represent my ex-wife and I for an adversary proceeding to discharge her private student loans?

Yes, two parties can be represented by the same attorney in an adversary proceeding, provided the parties and the attorney are in agreement, and so...

Do I have to pay this agency the full amount?

Some more facts may greatly affect your situation. Because of complaints like yours, Texas passed laws regulating agencies that search for...

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Can a lender sell a note to a collection agency after they have been paid by the guarentor of the note?

Yes, you can bring a lawsuit against the original lender, with the proof you have of payment in full. With the facts stated in your inquiry, this...

I live in Illinois and I want to know if my pension can be garnished.

I am not aware of this type of creditor garnishing a pension, unless it is federal pension, under present law. However, when funds are placed in...

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Can I include a debt from a home I was renting into a chap 13 in the end after our payment plan is done?

You are correct that debts incurred after filing ch 13, are not discharged, so it would appear you are ready and willing to pay this new...

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I loaned a person 1.45 million dollars to buy my business and then they filed bankruptcy

Your inquiry implies you have had effective assistance of counsel, and you should continue use counsel to assist and advise you. If a debt...

Should my 80 year old mother file bankruptcy? She has $12,000 debt, $8,000 we believe is fraud.

To obtain the answer of whether or not to file, should be determined after consulting with experienced bankruptcy counsel. Often the stress of...

What kind of lawyer do I need?

Your creditors are not bound to follow the divorce decree, and you remain liable for all of the debt that you originally contracted for. Seeking...

Amount declared on bankrupcy versus actual value

The property listed in schedules should be valued for insurance purposes at replacement value, at the time of loss, by describing the property, not...